Commercial Credit Officer II

Commercial Senior Credit Officer

At Citizens, we work together to make a difference for companies that are building, supplying and serving industries and consumers across the country.

Credit Risk is currently recruiting for a Commercial Senior Credit Officer within Middle Market in the Northeast Region. This role is a highly visible role requires line of business expertise, strong credit skills, decisive decision making and strong interpersonal skills combined with the ability to prioritize and operate in a dynamic environment both independently and efficiently.

Key Responsibilities:

• Exercise delegated credit authority to review, approve, decline, or recommend credit actions for new originations, renewals, amendments, and modifications
• Provide clear, objective, and independent credit assessments, ensuring alignment with risk appetite, underwriting standards, and regulatory expectations
• Promote analytical rigor and best practices across underwriting and portfolio management teams
• Partner and collaborate with line of business counterparts to constructively achieve portfolio objectives
• Ensure all credit delivery activities are completed in a timely, efficient, and prudent manner with a solution-oriented mindset
• Maintain disciplined monitoring of portfolio trends and exposures, supporting early risk detection and strategic portfolio management. Work with Relationship Managers, Portfolio Managers and Workout teams to develop corrective actions and minimize loss
• Model and reinforce the bank's credit culture, providing leadership on credit decisions, risk management approaches, and continuous improvement initiatives
• Ensure adherence to credit policies, procedures, and documentation standards across all credit delivery activities

Qualifications:

• Significant experience in Wholesale Credit, Portfolio Management, or Commercial Lending operating in a large, complex bank environment.
• Demonstrated experience in structuring and underwriting syndicated loans, managing credits with complex capital structures, and collaborating across multiple commercial banking product groups to optimize and responsibly allocate capital within client relationships.
• Strong administrative, communication/interpersonal and negotiation skills.
• Demonstrated ability to exercise sound judgment and act independently in a multi-tasked and fast paced environment
• Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank's balance sheet.
• Strong understanding of regulatory requirements, commercial loan structures, credit policies, and risk governance frameworks

Education

• Bachelor's degree required, preferably in a financially oriented major.

Pay Transparency

The salary range for this position is $142,000 - $200,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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

• Customer Empowerment
• Diversity and Inclusion Practice

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.

Job Info

• Job Identification 47415
• Job Category Credit, Underwriting & PM
• Locations One Citizens Bank Way, Johnston, RI, 02919, US