Credit Officer - Business Banking

Overview

Description
Citizens is recruiting for a Senior Credit Officer to support its Business Banking line of business. The Senior Credit Officer will evaluate, analyze, and approve credit proposals related to C&I and Investment Commercial Real Estate for companies with revenues up to $50MM and transaction sizes up to $15MM. This role requires a deep understanding of credit risk principles, financial analysis, and asset valuation.

The successful candidate will work closely with sales, portfolio management, and legal teams to ensure credit quality and regulatory compliance while supporting business objectives.

• Serve as the primary credit approver for transactions across multiple industries.
• Evaluate and act on credit opportunities including new originations, renewals, and modifications by approving, declining, or escalating recommendations to the appropriate higher authority.
• Provide independent credit risk assessment and decision-making in alignment with the bank’s risk appetite and regulatory expectations.
• Partner with front-line business units to structure transactions that balance client needs with prudent risk management. Identify risk and collaborate with coverage, product, and portfolio teams on customer selection and creation of protective, balanced credit structures to maintain portfolio quality and protect the Bank s balance sheet.
• Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits. Communicate with executive risk management and loan workout specialists to effect restructures of problem credits and minimize losses.
• Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing.
• Engage in client-facing due diligence and assist business partners with originating and onboarding new credit relationships.
• Ensure all credit delivery activities are completed in a timely, efficient, and prudent manner while facilitating an environment for the efficient delivery of products and services that require credit exposure.
• Provide leadership with first-line business partners in establishing credit culture, risk appetite, and business strategy.
• Follow defined processes, procedures, and credit policies to accomplish all objectives.

• 10 years of combined experience in underwriting and credit risk approval. Significant experience with both C&I and investment commercial real estate is preferred.
• Extensive experience with non-investment grade credit analysis, underwriting, and portfolio management. Experience partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship.
• Strong administrative, communication, interpersonal and negotiation skills. Demonstrated ability to exercise sound judgment and act independently in a dynamic environment.
• Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank’s balance sheet.

• Bachelor’s degree in finance, economics, accounting, or a related quantitative field required.

The salary range for this position is $150k - $170k 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, and 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 every local and state jurisdiction in the United States. For an overview of our benefits, visit

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.

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues…