Senior Commercial Credit Officer

4 weeks ago


New York, New York, United States Citizens Full time
Job Title: Sr. Commercial Credit Officer

Citizens is seeking a highly skilled Sr. Commercial Credit Officer to join our team in the New York Metro Region. This role is a key leadership position that requires strong risk identification, assessment, and mitigation skills, as well as expertise in line of business and decision-making.

Key Responsibilities:

  • Develop and implement credit risk management strategies to maintain portfolio quality and protect the bank's capital.
  • Collaborate with business partners to ensure credit expansion activities align with the bank's risk appetite.
  • Review, approve, or decline credit opportunities for new originations, renewals, or modifications of existing loans.
  • Provide oversight of designated portfolios to ensure satisfactory loan quality and identify potential problem credits.
  • Partner with line of business counterparts to achieve portfolio objectives and provide leadership on credit decisions, risk management, and portfolio management.
  • Ensure all credit delivery activities are completed in a timely, efficient, and prudent manner.
  • Model and disseminate the bank's credit culture and risk appetite.

Requirements:

  • 10+ years of experience in commercial credit banking with a focus on middle market credits.
  • Strong analytical and communication skills, with the ability to exercise sound judgment and act independently.
  • Experience with credit risk management, credit policy development, and regulatory compliance.
  • Leadership background with a strong attention to detail and ability to prioritize multiple tasks.
  • Ability to influence activities and collaboration of non-direct report partnership and stakeholder teams.

What We Offer:

  • Competitive salary range: $160,000 - $275,000 per year.
  • Opportunity to earn an annual discretionary bonus.
  • Comprehensive benefits package, including medical, dental, and vision coverage.
  • Retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, and wellness programs.

Equal Employment Opportunity:

Citizens is an equal employment opportunity employer and welcomes applications from diverse candidates. We are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day.



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