Description As the Business Banking Operations Underwriter PM III (UW III), you will be responsible for reviewing and underwriting loan requests under the Commercial Credit Policy up to TCL $10MM. Underwriting and recommendations should be based on sound credit judgment with particular emphasis on adherence to credit policy and requirements, bank’s risk culture, financial analysis/modeling, risk evaluation and mitigation and proper loan structuring. The UW III is responsible for underwriting and recommending for approval within SLAs and meeting production requirements. The Business Banking Operations Underwriter III will independently interact with senior management, sales team, credit products manager and credit officers in order to discuss and resolve risk related issues. This role 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 UW III will perform the functions of the position with periodic oversight and is expected to perform with reasonable general supervisory intervention. They will be responsible for underwriting the simple and complex relationships within the group. Primary responsibilities include + Evaluates appropriateness of loan structure with Relationship Managers (RMs) and Credit Product Managers (CPMs) as needed to meet client needs for new loans while ensuring Citizens’ credit risk profiles are maintained. + Assumes the responsibility to protect and preserve the integrity of Citizens’ risk appetite while accurately assessing and managing risk. + Assures compliance with commercial credit policy and risk acceptance criteria. Effectively maintains high quality credit file documentation in a paperless environment. 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. Qualifications, Education, Certifications and/or Other Professional Credentials + Actively and Effectively Manage multiple clients and transactions to meet production expectations as measured by goal setting metrics’ production commensurate with type & complexity of underwriting package. Consistently adheres to all service level agreements. credit experience and skill set with the moderately complex credits, with moderately complex organization structures, documentation, moderately complex covenant structures and/or collateral structures. + Exhibits comprehensive written and verbal communication skills. + Regularly interacts with and develops relationships with existing RMs & CPMs. + Duties may also include mentoring junior colleagues, proactively building relationships both within department and across business units. + Shows ability to make recommendations to Credit Officers around credit decisions. + Develops an understanding of cross sell services and can convey benefits of such on assigned portfolios. Hours & Work Schedule + Hours per Week: 40 + Work Schedule: M-F 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 At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. 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.