Sr Private Bank Loan Closer

At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. In the Senior Private Bank Closer role, you will be a critical member of the team that is responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with the credit approval. You are responsible for accurately booking and disbursement activities. Additionally, you are responsible for performing appropriate due diligence tasks, ensuring operational and regulatory risk adherence practice, and confirming conditions precedent are met prior to closing of a loan. This role has a particular focus on support for our Private Bank with Commercial Real Estate (CRE), C&I, and other niche financing needs. As part of the Commercial Loan Operations team, you will thrive in this role by possessing strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients. Lastly, you are expected to act as a subject matter resource to other loan closers on the team.

Most importantly, at Citizens we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role, and make an impact!

Responsibilities:

Serves as a senior loan closer and subject matter resource for other loan closers on the team.

Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements.

Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure.

Accurately prepares loan documentation for closing via Laser Pro

Accurately book complex loans to the loan accounting system.

Successfully manage a loan pipeline of 25 transactions: communicating clearly and timely to partners and customers on status and conditions.

Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.

Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, insurance, UCC filings and positions, and title work

Possess strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients.

Manage and clear post-closing legal documentation exceptions in compliance with bank policy.

Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).

Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.

Ability to maintain a flexible work schedule to meet the needs of business partners.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 5+ years of relevant experience in commercial loan closing with knowledge of CRE and C&I practices and policies
• 5+ years high-touch, customer service experience
• 5+ years computer skills- ability to work with desktop applications and systems.
• Working knowledge of commercial loan documentation
• Experience with AFS and Laser Pro are a plus
• Exceptional customer service and communication skills
• Solid understanding of commercial real estate transactions
• Self-starter with the capacity to work independently with minimal supervision
• Highly motivated and team-oriented
• Ability to manage and resolve moderately complex problems in a fast paced environment
• Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities.
• Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements

Hours: 8am-5pm

This position is on-site, 4 days, 1 day remote

Pay Transparency

The salary range for this position is $33.65 - $41.34 per hour. 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 .

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.