Private Bank Lending Specialist

1 month ago

Palm Beach, United States Citizens Financial Group, Inc. Full time
Description

Citizens Private Bank is looking for a Lending Specialist to support the underwriting needs of the Private Bank's business loan and commercial real estate loan products. The Lending Specialist will focus on processing, evaluating, and completing financial analysis on business loan requests. Additionally, they will partner closely with the Relationship Manager/Senior Business Banker as well as the Private Bank's credit approval team to monitor and maintain overall excellent credit quality of existing loan facilities. The ideal candidate has strong attention to detail and is a clear communicator who excels at managing multiple priorities while working independently or as part of a team.

Primary Responsibilities Include:
  • Support the underwriting needs for the Private Bank's product offering ensuring turnaround time requirements are met. Verify accuracy and completeness of loan application file including; entering application information in origination systems, completing due diligence, ordering UCC and Good Standing searches, and running appraisal and environmental report requests (for owner-occupied real-estate secured transactions).
  • Proficient use of Moody's CreditLens or similar application to complete financial analysis and spreads. Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non-recurring sources of cash flow and borrowers' ability to debt service.
  • Cultivate strong and positive working relationships with partners to maintain extraordinary internal and external client service. Partners include: Business Bankers and Relationship Managers, Preferred Bankers, Loan Committee, Loan Servicing, Legal (internal and external), etc.
  • Ensure quality credit and avert any potential signs of default throughout the underwriting process and loan life cycle. Ongoing servicing of the portfolio, including loan modifications.
  • Actively participate in continuous improvements by generating suggestions and participating in problem solving activities.
  • Works closely with RM and client to identify lending needs and solutions
  • Performs analysis of client's financials to determine loan eligibility
  • After RM handoff, serves as main POC for client and all internal/external parties to lending transactions while keeping RM in the loop
  • Manages end-to-end loan process with clients, internal/external partners from inquiry through post-closing (e.g., provides PA letters/pricing, presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).
  • Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines.
  • Introduces clients to Preferred Bankers to establish deposit accounts during loan process.
Qualifications
  • 3+ years experience preferred in commercial credit analysis experience across a variety of industries including professional services (i.e. law firms, medical practices), non-profit organizations, as well as private equity/venture capital (capital call lending, management company credit facilities). Experience with owner-occupied commercial real estate transactions is a plus (including SBA 504).
  • BA/BS Degree required with concentration in business, finance and/or accounting preferred.
  • Strong decision-making, interpersonal and communication skills; including the ability to clearly understand complex concepts.
  • Excellent organizational and time-management skills, and attention to detail.
  • Self-motivated and self-disciplined, with the ability to work effectively with little supervision.
  • Advanced familiarity with Word, Excel, and PowerPoint.
  • Experience with Moody's CreditLens is a plus.

#LI-Citizen6

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 value diversity, equity and inclusion, and treat everyone with respect and professionalism. 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.

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.

  • Private Bank Lending Specialist

    3 days ago

    West Palm Beach, Florida, United States Citizens Financial Group, Inc. Full time

    Citizens Financial Group, Inc. is seeking a skilled Lending Specialist to join their team in the Palm Beach office. The ideal candidate will support the underwriting needs of the Private Banks business loan and commercial real estate loan products. Key responsibilities include:Collaborating with the local team to ensure seamless loan processing and...

  • Private Bank Lending Specialist

    1 month ago

    West Palm Beach, United States Citizens Full time

    Description Citizens Private Bank is looking for a Lending Specialist to work with the local team in the Palm Beach office at least 4 days a week to support the underwriting needs of the Private Banks business loan and commercial real estate loan products. The Lending Specialist will focus on processing, evaluating, and completing financial analysis on...

  • Private Banking Relationship Manager

    6 days ago

    Palm Beach, Florida, United States First Horizon Bank Full time

    About the RoleWe are seeking a highly skilled and experienced Private Banking Relationship Manager to join our team at First Horizon Bank. As a key member of our Private Banking team, you will be responsible for building and maintaining relationships with high net worth individuals and businesses, providing them with tailored financial solutions and advice...

  • GWIM - Private Bank Custom Lending Executive

    2 weeks ago

    Newport Beach, United States Bank of America Full time

    Description The Credit Executive (CE) is a client-facing role responsible for developing new custom credit relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, managing a portfolio of existing credit relationships, and educating Advisors on our credit solutions and risk...

  • Senior Commercial Lending Specialist

    6 days ago

    Palm Coast, Florida, United States Intracoastal Bank Full time

    About the RoleWe are seeking a highly skilled Commercial Portfolio Manager to join our team at Intracoastal Bank. As a key member of our commercial lending team, you will be responsible for overseeing all aspects of the Bank's loan risk management function.Key ResponsibilitiesLead Underwriting and Risk Management: Identify, gather, and analyze relevant...

  • U.S. Private Bank

    3 months ago

    Palm Beach, United States JPMorgan Chase & Co. Full time

    We are actively looking for exceptionally talented individuals who are collaborative, confident and motivated to provide a first-class experience to clients within . Morgan’s . Private Bank. If you have an entrepreneurial mindset and are looking to constantly challenge yourself, . Morgan is the place for you. You will be working alongside a team of...

  • Corporate Banking Relationship Manager IV

    3 months ago

    West Palm Beach, United States Amerant Bank Full time

    The Commercial Relationship Manager IV is responsible for maximizing share of wallet and products penetration. Will also promote and cross-sell products and services with the objective of servicing, maintaining, developing new relationships, increasing bank revenues and identifying current and potential business opportunities for the Bank.Develop and...

  • Private Banker

    3 months ago

    Palm Beach, United States CIBC Full time

    We're building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what's right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and...

  • Consumer and Business Lending Specialist

    2 weeks ago

    Osage Beach, Missouri, United States MidAmerica Bank Full time

    About MidAmerica Bank:Mid America Bank is a community-focused financial institution dedicated to serving the needs of our clients in Central Missouri. We pride ourselves on our growth while maintaining a commitment to our customers and the community. Our goal is to create a supportive work environment that promotes work-life balance, professional...

  • Custom Lending Executive

    3 days ago

    Newport Beach, United States Bank of America Full time

    About the RoleThe Credit Executive is a client-facing position responsible for developing new custom credit relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, managing a portfolio of existing credit relationships, and educating Advisors on our credit solutions and risk...

  • Client Relationship Banking Specialist

    2 weeks ago

    Miami Beach, Florida, United States City National Bank Full time

    Position Overview:The Client Relationship Banking Specialist plays a vital role in fulfilling the needs and expectations of clients by effectively servicing, promoting, and selling the Bank's diverse products and services. This position focuses on enhancing deposits and fee income, minimizing expenses, fostering and expanding exceptional client...

  • Private Client Advisor II

    1 month ago

    Palm Beach, United States Bank of America Full time

    Job Description: Job Description At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great...

  • Private Client Advisor II

    2 months ago

    Palm Beach, United States Bank of America Full time

    Job Description: Job Description At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great...

  • Senior Commercial Lending Officer

    1 week ago

    West Palm Beach, Florida, United States Centennial Bank Full time

    POSITION OVERVIEW The Senior Commercial Lending Officer is accountable for the provision of credit in alignment with the established policies and guidelines of the lending framework. This role necessitates a comprehensive understanding of each client's financial requirements and circumstances, ensuring compliance with all applicable laws, regulations,...

  • Assistant Banking Center Manager

    3 weeks ago

    West Palm Beach, United States Seacoast Bank Full time

    Job DescriptionJob DescriptionJOB SUMMARY:An Assistant Manager is responsible to assist in developing and implementing strategies focused on branch profitability and performance. Additionally, the position is expected to help lead and develop the branch team and is responsible for maximizing branch performance under the guidance of the Banking Center...

  • Client Service Specialist II

    6 days ago

    West Palm Beach, Florida, United States Amerant Bank Full time

    Job SummaryAmerant Bank is seeking a highly skilled Client Service Specialist II to join our team. As a key member of our commercial lending department, you will be responsible for providing exceptional customer service and support to our clients.Key ResponsibilitiesClient Onboarding: Assist Relationship Managers and Portfolio Officers in conducting the...

  • Loan Processing Specialist

    6 days ago

    Huntington Beach, California, United States Summit Lending Full time

    Job SummaryWe are seeking a highly skilled Junior Loan Processor to join our team at Summit Lending. As a key member of our mortgage processing team, you will be responsible for overseeing the loan process from origination to close.Key ResponsibilitiesAcquire and review loan documentation, including verification of employment, insurance, payoffs, tax...

  • Commercial Banking Specialist

    5 days ago

    Newport Beach, United States Bank of America Full time

    About the Role:We are seeking a highly skilled and experienced Senior Relationship Manager to join our team at Bank of America. As a key member of our Commercial Banking team, you will be responsible for providing expert advice and financial solutions to our complex Global Commercial Banking clients and prospects.Key Responsibilities:Manage an extensive...

  • Private Credit Associate

    3 months ago

    West Palm Beach, United States Selby Jennings Full time

    A leading private investment firm with over $10B AUM is looking to add a Private Credit Associate to the team in West Palm Beach, FL. The Private Credit Associate will invest across direct lending and special opportunities strategies and will be responsible for evaluating new investment opportunities, structuring and executing private investments, and...

  • Commercial Lending Portfolio Manager

    2 weeks ago

    Newport Beach, California, United States U.S. Bank Full time

    About U.S. BankAt U.S. Bank, we are committed to empowering our customers and communities to make informed financial choices and achieve sustainable growth. We recognize that each individual brings unique talents and perspectives, and we strive to foster an environment where everyone can thrive throughout their career journey. Position OverviewThe role of...