PB Sr Lending Specialist (CRE/Construction)

Private Bank Senior Lending Specialist

The Private Bank Senior Lending Specialist supports the Relationship Manager with their client's loan portfolio with extraordinary care and service. The Senior Lending Specialist works in primarily operational, processing, and analytical capacities, ensuring a high level of quality control from the loan application through the closing process. The Sr PB Lending Specialist has a strong understanding of Citizens Private Bank's credit policy, underwriting guidelines, and loan origination systems.

Primary responsibilities include

• The Senior PB Lending Specialist performs much of the same roles and responsibilities as the PB Lending Specialist and PB Lending Associate, with the understanding that the Sr. PB Lending Specialist is expected to lead, mentor, and manage team members in loan pipeline oversight, training and guidance, and is an expert on Citizens Private Bank credit policy, underwriting guidelines, and loan origination systems. Senior Lending Specialists who have credit approval authority for residential loans will tend to have higher dollar approval limits than the Lending Specialist or Lending Associate roles.
• After RM handoff, serves as main POC for RM/Client Relations team and third parties to lending transactions.
• Performs thorough analysis of client's financials to determine loan eligibility and qualification.
• Monitors active pipeline to ensure loan workflow is efficient and meeting closing deadlines.
• Maintains a high level of quality control for verifying accuracy of financial and loan documents.
• Manages end-to-end loan process with internal/external partners from the time the loan is live through closing.
• For Sr PB Lending Specialists who specialize in Residential Lending, responsibilities includes setting up the loan and borrower terms in Empower, locking the rate and ordering an appraisal, ordering title with escrow or attorney partners, preparing the initial loan estimate, initiating condo/co-op reviews, completing underwriting reviews and generating conditions, reviewing any additional financials and uploading to the loan origination system, composing loan narrative and identifying underwriting guideline variances or policy exceptions, and providing an initial approval decision or loan recommendation for a Credit Risk officer's approval.
• For Sr PB Lending Specialists who specialize in Commercial Real Estate or Multi-Family Lending, responsibilities include completing the underwriting/analysis of the property as well as the guarantors and sponsors. Responsible for making sure the financial and collateral documents received meet Private Bank guidelines and lead the conversation with the Relationship Manager, Client Relations Team, or Credit Risk Officer to determine next steps, obtains additional needs from the clients, prepares the loan file for approval and closing.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Bachelor's degree in finance, economics, business, or a related field. MBA will be considered an asset.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal abilities to interact with clients and colleagues.
• Proficiency in financial modeling, credit analysis tools, and banking software.
• Ability to handle sensitive client information with discretion and integrity.
• 5+ years of credit risk experience, ideally in the financial services industry.
• In-depth knowledge of bank loan, deposit, mortgage and credit products
• Ability to understand the overall credit capabilities and risk management philosophy of the firm

Hours & Work Schedule

• Hours per Week: 40; Flexibility is required, as business needs may occasionally necessitate extended hours.
• Work Schedule: M-F
• In office 4 days/1 day WFH: Citizens Private Bank, Avenue of the Americas, NY - NY

Pay Transparency

The salary range for this position is $130,000- $160,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit

Required Skills

• Advising
• Business Development
• Credit Policy and Procedures
• Curiosity
• Customer Journey Orchestration
• Customer-Centricity
• Diversity and Inclusion (D&I) Strategy and Policy
• Financial Analysis
• Financial Planning
• Industry Insight
• Investment Advisory
• Know Your Customer (KYC) Policy
• Motivating Others
• Organizational Knowledge
• Persistence and Tenacity
• Private Banking
• Technologically Savvy
• Wealth Management

About Us

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

Job Applicant Data Privacy Policy

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.

Job Info

• Job Identification 47258
• Job Category Credit, Underwriting & PM
• Posting Date 06/04/2026, 07:35 PM
• Apply Before 06/30/2026, 04:00 AM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Job Shift 1st
• Locations 1301 Avenue of the Americas, New York, NY, 10019, US
• Working Hours 40
• Career Site Category Client Relationship Manager