Description Senior Credit Review Manager – Commercial The Senior Credit Review Manager position is a team member in the bank’s independent Credit Review function. The Credit Review team is an independent team reporting to the bank’s Audit Committee responsible for oversight of all bank lending activities. The Senior Credit Review Manager is responsible for the independent evaluation of borrower-level loan transactions, credit portfolios, and credit risk management practices throughout the bank’s Commercial portfolios. As the Senior Credit Review Manager, you will be responsible for scoping, planning, managing, participating, and executing credit risk review assignments to verify ratings accuracy and outlook, to assess asset quality, and to provide an opinion with respect to risk management and appetite. You will add value by providing independent challenge and assurance, identifying issues and formulating practical solutions that can be tracked and monitored to resolve any deficiencies and helping reduce overall risk to the organization. The high profile nature of the role reflects the need for extensive interaction with senior management and staff, Credit Review senior management, Internal Audit, and Examiners. Primary responsibilities include + Undertake an independent, qualitative, and quantitative assessment of individual counterparties, facilities and portfolios including an assessment of the structure of facilities where Citizens maintains a risk relationship on either a committed or uncommitted basis. + Undertake a qualitative assessment of the risk management and credit stewardship of individual counterparties and portfolios including compliance with relevant credit policies as part of the Citizens Policy framework. + Ensure accuracy of assigned credit risk and regulatory ratings and underlying rating model implementation. + Evaluate management oversight process, assign overall credit management and asset quality ratings, and formulate recommendations to proactively reduce credit risk and minimize potential credit losses. + Identify risk issues and make suitable recommendations to remediate or rectify deficiencies noted, improve business and risk processes, amend counterparty and macro risk appetite, and enhance policies, standards, and credit risk reporting. + Plan and execute reviews as leader; interact with credit and business executives and staff, collect, and interpret findings, provide verbal feedback, and formulate written reports on findings with suitable action points. + Incorporate findings and recommendations into written reports which are distributed to executive management and external regulatory bodies. Utilize influencing skills to resolve issues and agree solutions prior to finalization of exam reports. Qualifications, Education, Certifications and/or Other Professional Credentials + 10+ years of credit risk experience in one of these areas: credit review, credit sanctioning, loan structuring, and underwriting, with emphasis in lending to high-net-worth individuals, investment commercial real estate, capital call facilities and lending against alternative assets. Previous bank credit review or bank examiner experience is highly preferred. + Credit experience in one or more areas: High Net Worth/Ultra High Net Worth lending, business/commercial credit, professional services firm/law firm credit is required. The role will require carrying out independent assessment of the transaction that will include assessment of the underlying collateral (real estate, securities, alternatives) i.e., cash flow assessment, review of valuation reports, understanding of valuation drivers, conducting sensitivity analysis, reviewing appropriateness of structure proposed (covenants), size of the facility, assessment of beneficial owner's net worth etc. + Solid understanding of US regulatory rating framework and US regulatory requirements governing credit risk management, including origination, underwriting and portfolio management. Experience and knowledge of PD and LGD rating model approaches. + Excellent communication skills, both oral and written, with an ability to synthesize complex messages for an executive audience. Experience preparing materials for and interacting with supervisory agencies, external auditors, and executives. Strong negotiation skills with ability to defend position in a constructive manner. + A high degree of professional maturity and emotional intelligence appropriate for interactions with external and internal constituents of all levels. A natural collaborator and culture carrier who can lead effectively amidst ambiguity. Have an open mindset and respects challenging views from different stakeholders. + Proven ability to work in a team environment, lead others, and appropriately prioritize workload to ensure deadlines are met. + Strong self-motivation and a desire to raise the bar; should take pride in the quality of work delivered. + BA or BS degree required; MBA or other advanced degree or certification is a plus Hours & Work Schedule + Hours per week: 40 + Work schedule: Monday - Friday, 8:00 AM - 5:00 PM #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.