Business Banking Ops UW PM I

As the Business Banking Operations Underwriter PM I (UW), you will be responsible for the daily underwriting of Business Lending Products within the Citizens footprint up to a Total Credit Limit (TCL) of $250,000. The application decisions are made in a centralized environment (RELAY) utilizing a Score underwriting and credit decision approach. All application decisions are within authorized credit authority limits.  This role also provides support to field personnel as it relates to the conditions, rate, risk mitigated with SBA, financial analysis and overall lending decision.

Primary Responsibilities Include

• Underwrite business credit applications independently using sound judgment, with single lending authority of $250,000. All decisions are made while adhering to the Business Banking Credit Policy.  
• The UW is required to review all underwriting criteria, collateral, interest rate, fees and specific due diligence required for final approval.  All exceptions to policy must be properly approved by the Underwriting Manager.  
• Credit reviews include analysis of external personal credit and business credit bureau reports and scores for the business and guarantors and all associated deposit accounts.  
• Meet production expectations as measured by goal setting.
• Responsible for working with Business Banking Operations Closing to move approved applications through the process for quick closings.  Second looks applications are reviewed/discussed with the sales force, Credit Product Manager or closing team.  
• The sales colleague may bring new information that can help approve a loc/loan request that was previously declined.

Qualifications

• Equivalent work experience may be considered as an alternative to formal degree program completion.
• 1 – 3 years of lending experience with exhibited competency in structuring the appropriate type of loan to a business.
• Understand and apply credit policy, adhere to department procedures, and identify areas of risk beyond acceptable levels.
• Strong communication skills and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.

Education

• Bachelor’s degree in business administration, finance, accounting or economics preferred.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday 8AM to 5PM

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.

Equal Employment and Opportunity Employer

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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.