Commercial Lending Specialist

3 weeks ago

New York, New York, United States Citizens Full time

Citizens Private Bank is seeking a highly skilled Lending Specialist to support the underwriting needs of its business loan and commercial real estate loan products.

The ideal candidate will focus on processing, evaluating, and completing financial analysis on business loan requests, working closely with the Relationship Manager/Senior Business Banker and the Private Bank's credit approval team to ensure excellent credit quality of existing loan facilities.

Key Responsibilities Include:

  • Support the underwriting needs for the Private Bank's product offering, ensuring timely turnaround requirements are met.
  • Verify accuracy and completeness of loan application files, including entering application information in origination systems, completing due diligence, ordering UCC and Good Standing searches, and running appraisal and environmental report requests.
  • 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 exceptional internal and external client service.

Requirements:

  • 3+ years of experience in commercial credit analysis, preferably in commercial real estate across multiple property types.
  • BA/BS Degree required, with a 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, with attention to detail.
  • Self-motivated and self-disciplined, with the ability to work effectively with minimal supervision.
  • Advanced familiarity with Word, Excel, and PowerPoint.
  • Experience with Moody's CreditLens is a plus.

Citizens offers competitive pay, comprehensive medical, dental, and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs, and more.

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