Description
The Underwriting portion of this position is responsible for reviewing and underwriting loan requests under Commercial Credit Policy up to TCL $15MM. Underwriting and recommendations should be based on sound credit judgment with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation and mitigation and proper loan structuring.
Position is responsible for underwriting and recommending for approval to Credit Officers within SLAs and meeting production requirements. Expected high degree of technical competency in credit analysis.
The Underwriter will independently interact with Senior Management, Sales Team, and Credit Officer, to discuss and resolve risk related issues.
Underwriter independently reviews financials, proposed loan structure, collateral and due diligence and makes recommendations of new money requests for approval.
Aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated.
The Underwriter will perform the functions of the position with periodic oversight and is expected to perform with reasonable to general supervisory intervention.
The Portfolio Manager piece is responsible for effective credit administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, and on-going portfolio maintenance activities.
Responsible for ensuring overall portfolio performance and asset quality remains strong and independently develops strategies and actions to resolve issues that could increase risk and/or create loss for the Bank.
Manage relationships with TCL between $1MM - $15MM, with particular emphasis on larger (>$3MM) more complicated relationships. Expected high degree of technical competency in credit analysis.
Independently interact with Senior Management, Sales Team, Credit Officer and CRM, in order to discuss and resolve risk related issues.
Direct interaction with customers may be required, in order to discuss and resolve risk related issues.
Independently reviews financials and makes recommendations for approval of annual review/renewal and/or modifications within delegated lending authority.
Primary Responsibilities
Underwriter
Evaluates appropriateness of loan structure with Relationship Managers as needed to meet client needs for new loans while ensuring the Bank's credit risk profiles are maintained.
Assures compliance with Commercial Credit Policy and Risk Acceptance Criteria.
Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively.
Exhibits knowledge of various @types of loan terms, structures, and conditions and understanding of loan documentation.
Credit experience and skill set with complex credits, including various organizational structures, covenant structures and/or collateral structures.
Consistently adheres to all Service Level Agreements.
Portfolio Manager
Assume the responsibility to protect and preserve the integrity of the pooled or individual portfolio while assessing and managing risk, through the annual review process via recommendation.
Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively.
Exhibits knowledge of various @types of loan terms, structures, and conditions and understanding of loan documentation.
Consistently adheres to all regulatory compliance requirements.
Accurately test covenants and recognize events of default while providing recommendations on strategy and action planning.
Effectively supports high quality credit file documentation in a paperless environment.
Effectively tracks and monitors financial statement requirements; reviews Borrowing Base certificates.
Consistently adheres to all Service Level Agreements
Qualifications
7+ years of experience and exhibited high degree of technical competency in various aspects of commercial lending /portfolio management.
Exhibit comprehensive written and verbal communication skills.
Experience with financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.
Expected to have high level of credit and documentation experience.
Must be skilled in proposing and negotiating and recommending credit and covenant structures for approval.
Must demonstrate practical and conceptual knowledge of credit and risk analysis.
Education
Bachelor's Degree
Preferred: Master' Degree
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday thru Friday, 4 days in the office
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
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.
09/17/2026
