Description The Commercial Field Exam team supports the underwriting of facilities to New/Existing borrowers, Renewals, Annual Reviews, and Special Requests. The Field Examiner will participate in on-site evaluation of an existing or prospective borrower’s books, records, and operations to ensure compliance with bank lending policies and procedures, assessing collateral adequacy and quality, by detecting changes in trends and identifying risks. The Field Examiner will assist in preparing a detailed report of significant exam findings for distribution to the bank. The ideal candidate will be an analytical problem solver who demonstrates excellent oral and written communication skills along with the capacity to work independently and with internal/external stakeholders. Primary responsibilities include: + Performs in-depth analysis of overall financial condition of various companies/industries, identifying credit risks, trends, and deteriorating situations. + Plays a key role in verifying both collateral value and existence with the primary focus accounts receivable and inventory. + Effectively evaluates internal reporting systems and collateral reporting submitted to the Bank. + Prepares a comprehensive and concise written report, inclusive of an Executive Summary, highlighting key examination issues, risks and recommendations (actions related to current and future monitoring of the credit such as appropriate formula advance rates and reserves). Qualifications: + 2-3 years’ experience as a Field Examiner or Auditor (or similar role). + Familiarity with credit agreements and asset-based lending fundamentals. + Excellent analytical, written, and verbal communication skills. + Good interpersonal skills. + Attention to detail. + Ability to interact with all levels of management internally and externally. + Ability to identify and solve problems. + Ability to make sound recommendations. + Self-motivated, well-organized individual. + Technologically Proficient in Data Analysis, Microsoft Excel, Word, PowerPoint and Outlook. + Knowledge of data mining and audit software a plus. + Flexibility to travel locally and overnight up to 50%. Education/Certifications: + BS in Accounting, Finance, Economics, Business, or a related field. + MBA, CPA, or CFE is a plus. Hours & Work Schedule: Hybrid in the office 1-2 days (Johnston or Westwood) when not traveling locally and overnight up to 50%. + Hours per Week:40 + Work Schedule: Monday-Friday #LI-CITIZENS2 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.