Description
Manages a team of Commercial Real Estate Portfolio Managers and Credit Analysts, including those managing straightforward up to the most complex credits with the most complex corporate organization structures, documentation and/or collateral structures, including those with large exposures in complicated and/or specialized industriesย ย ย
Assures that all PMs are trained and kept up to date on Citizens Bankย credit policy as well as credit issues affecting the general economyย
Actively ensures compliance with federal regulations and Citizens Bankย policiesย
Actively involved in assessing, developing and implementing credit and compliance policiesย
Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all Citizens Bankย internal policiesย
Prioritizes work that is assigned to the group, assure that work is appropriately distributed among the team members and is responsible for objective quality control of groups analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to the Bankย
Manages the performance management and development process for all reportsย
Largely internally focused interacting with PMs, RMs, TLs, Division Executives, State Presidents, Credit Officers and Senior Management. Externally meets with customers/prospects to actively negotiate deals and solve customer/prospect requests and problemsย
Internally is viewed as a trusted advisor on credit and portfolio management issues/challenges to RMs
Proficient in recruiting and managing the recruiting process including a strong visionย and understanding of talent selection and development
Coaching and mentoring everyone in their organization is a key deliverable
Adept at problem loan identification and conflict resolution
Willing to be a constant and consistent presence within the market, to include networking and attending industry events
Promotes an environment of continuous improvement and development
Ability to travel as needed
Leads by example
Has a collaborative mindset and looks to be a consensus builder
Can easily explain complex concepts to both junior and senior level employeesย
Requirements:
- 12+ years of commercial real estate loan underwriting experience with ability to manage and grow significant customer portfolioย
- Prior experience with REIT's - required
- Exhibits strong level of knowledge of commercial sales, commercial products, credit, risk, and administration practices and processesย
- Skilled at maintaining good communication across business unit and broader organizationย
- Skilled at developing and implementing both strategic and tactical solutions and systems in support of portfolio administration and business unit goals and objectivesย
- BA degree, MA preferred with successful completion of a credit training/underwriting programย
- Proven credit management abilities with good computer skills for recording and tracking resultsย
- Comprehensive verbal and written communication skills, able to multi task and function under pressure to meet deadlines, strong organizational skills, customer service, developed influencing and negotiation skills, experience in managing the day to day and annual performance and developmental activities for direct and in-direct reports from entry to expert level PMsย
- Word, Excel, Power Point, spread sheet modeling, and presentation development and delivery skillsย
- Advanced knowledge of different financial modeling systems and ability to coach others on use of internal systems that may include RARCR, ORA, FACT, and MFA
Hours & Work Schedule
- Hours per Week: ย 40+ย
- Work Schedule: ย ย Monday to Fridayย
Pay Transparencyย
The salary range for this position is $225,000 - $250,000 per year, plus an opportunity to earn additional incentive earnings. ย Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience.ย
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.ย Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visitย https://jobs.citizensbank.com/benefits.
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Equal Employment Opportunity
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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Education:Why Work for UsEmployment Type: 1ST