Commercial Senior Credit Officer

Citizens is currently recruiting for a Commercial Senior Credit Officer to support its Asset Finance line of business. This role is a highly visible leadership role requiring line of business expertise, excellent credit skills, and strong decision making and interpersonal skills.

The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to equipment financing transactions. This role requires a deep understanding of credit risk principals, financial analysis, asset valuation and specific knowledge of the leasing and equipment finance industries.

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

Responsibilities:

• Serve as the primary credit approver for complex and high-exposure leasing 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. Objectively identify risk and proactively partner with coverage, product and portfolio teams in the areas of customer selection and creation of protective, balanced credit structures with a focus on maintaining portfolio quality and protecting 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 restructure 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 have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure.
• Provide leadership in conjunction with first line business partners in establishing credit culture, risk appetite, and business strategy.

Experience and Skills:

• 10 years of combined experience in underwriting and credit risk approval. Significant experience in leasing/equipment finance operating in a large, complex bank environment is preferred
• Extensive experience with non-investment grade credit analysis, underwriting and portfolio management
• Significant experience in underwriting cash flow and enterprise value dependent transactions is highly preferred
• Experience partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship.
• Strong administrative and reporting skills
• Proven 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.

Education:

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

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday to Friday core business hours

Pay Transparency

The salary range for this position is $165,000 - $247,500 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 https://jobs.citizensbank.com/benefits.

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.

Equal Employment and Opportunity Employer

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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.