Description At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. As the Commercial Operations Loan Closer, you will be a critical member of the Business Banking Operations team that is responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with the Citizens credit approval policy. You will be responsible for accurately booking loans into the loan accounting system, performing appropriate due diligence tasks, reviewing operational risk components, and ensuring conditions are met prior to closing or funding a loan with a particular focus on Commercial Real Estate (CRE), C&I financing, and Security Based Lending (SBL). You will function as a gate keeper for certain compliance and reporting requirements and will perform these functions under the supervision of a Team Leader and/or Manager. As part of the Business Banking Operations team, you will thrive in this role by possessing strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients. Most importantly, you will feel valued for who you are and supported to achieve what is important to you, personally and professionally! Primary responsibilities include + Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements. + Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure. + Accurately booking the loan to the loan accounting system. + Successfully manage a loan pipeline of 25 transactions; communicating clearly and timely to partners and customers on status and conditions. + Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan. + Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, lien positions and title work + Reconcile Loan Accounting Recon account for assigned loans. + Manage and clear post-closing legal documentation exceptions in compliance with bank policy. + Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's). + Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to + Mitigate operational and reputational risk Qualifications: + 1-3 years of relevant experience in a business/commercial lending environment with knowledge of CRE and/or C&I lending, practices and policies. + 3+ years customer service experience + 3+ years computer skills- ability to work with desktop applications and systems. + Solid understanding of commercial real estate transactions + Self-starter with the capacity to work independently with minimal supervision + Knowledge of commercial banking documentation + Exceptional customer service and communication skills. + Highly motivated and team-oriented. + Ability to manage and resolve moderately complex problems. + Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities. + Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements. + Experience with AFS, Laser Pro and Content Manager are all pluses. Education: High School or equivalent (GED) required Associate's Degree or higher is preferred Hours and Work Schedule: Hours per Week: 40 Work Schedule: 8:00am – 5:00pm, Monday – Friday, hybrid 3 days on-site, 2 days remote 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.