Description
We are seeing a Senior coverage banker who will provide comprehensive coverage of the Specialty Finance and Mortgage Finance segments, including, but not limited to, Consumer Lending (credit cards, automotive, personal loans, premium finance, etc.), Debt Buyers/Collectors, Commercial Lending (equipment finance, industrial/aviation leasing), and mortgage origination and servicing (including MSR lending).
In coordination with the specialty finance and mortgage finance industry coverage bankers, this individual will be responsible for driving origination opportunities for multiple products including bank debt, treasury, global markets, capital markets, and M&A. Individual must maintain a deep level of understating of opportunities/risks/trends in each of these broader industries and sub-segments.
Requires team mentality to collaborate with internal risk/underwriting teams, Investment Banking, Asset-Backed Securitization ("ABS"), as well as Debt Capital Markets, Equity Capital Markets, and Treasury/Liquidity Services. Given coverage of specialty finance, background in or knowledge of Asset Backed Securitization is a benefit.
Responsibilities:
Actively partner with portfolio management, corporate finance, capital markets, and risk management.
Significant focus on developing new relationships through a rigorous prospect calling effort.
Responsible for driving the overall client relationship and profitability and will be cross-selling the full slate of bank products.
Interact with senior management of public and privately owned companies and Private Equity firms' portfolio companies.
Develop new relationships and up-tiering the bank's position with existing clients through proactively presenting financial solutions.
Develop and deliver presentations to the bank's executive management at screening and approval meetings in conjunction with deal team partners.
Influence and function well in a team environment and view credit/client situations from multiple angles, debate the merits of a given transaction and defend their position both internally and externally.
Maintain the effective license to operate by sustaining a high level of trust and confidence by senior line and risk management.
Experience:
7+ years of Specialty Finance/Mortgage corporate banking/corporate finance experience and exhibited competency in client relationship management, financial analysis and credit structuring.
Candidate should be a seasoned, credit trained banker who has thrived in a credit intensive environment.
Exhibit skill at negotiation and the development of loan structuring options, with Capital Markets for multi-bank transactions, and be skilled in managing large credit exposures and complex credit situations.
Maintain the effective license to operate by sustaining a high level of trust and confidence by senior line and risk management.
Possess meaningful, relevant experience with companies in the assigned territory and a demonstrated ability to up-tier relationships to Left Lead and Joint Lead Arranger.
Strong experience at a highly advanced level of credit, documentation, proposal, and negotiations both internally and externally.
Strong understanding of credit and covenant structures and documenting loans.
Demonstrated desire to succeed and drive business.
Exhibits comprehensive written and verbal communication skills.
Reputation as a team player.
Education/Certifications:
Bachelor's degree in business, Finance, Accounting, Economics, or equivalent work experience.
Master's degree preferred.
Series 79 or 7 & 63 licenses or ability to get licenses
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday - Friday
Pay Transparency
The salary range for this position is $230,000 - $350,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, relevant skills, and experience.
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .
LI-Citizens1
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Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
03/31/2026
