Credit Specialist - Middle Market

This role will support the Middle Market Banking team in California on a variety of credit administrative tasks.

Maintains and updates credit files, the Credit Administrative Specialist will take ownership and accountability for the overall credit file maintenance process. Scans hard copy financial reports submitted by client. Adds periodic financial reporting received from clients and internal documents such as approval memos, appraisals, etc.  Coordinates with CBCS on document exceptions. Coordinates with Risk Management group to provide data for quarterly compliance testing.

Maintains FaCT Database and assist with Exception Management.  Receive financial reporting from Portfolio Managers or Credit Analysts and update FaCT to reflect receipt. Pulls financial reporting from Intralinks or Syndtrack (when available) and update FaCT. Coordinates with Portfolio Managers and Credit Analysts to update FaCT to reflect completed annual reviews. Runs reports (primarily FaCT and ORA) and proactively follow-up with PM’s, CA’s and PM TL on coming due items along with past due items and other exceptions. Provides email reminders to clients regarding due dates for upcoming and/or past due reporting requirements.

Assists with the CRM Dashboard New Client Set-Up. Set-up FaCT evaluation requirements including financial reporting requirements, covenants and the annual review requirement. Updates Tracking Questions (including Country of Risk, ESE, etc.) Ensures industry codes are correct for identification and tracking purposes. Properly identifies Leverage Lending, Sponsor Owned accounts as well as multi-bank and SNC credits along with named agents.

Completes the spread request forms and submit financial statements to Credit Services (i.e. spreading group) as requested by Portfolio Managers or Credit Analysts.

Requirements

• Minimum two years working experience in Commercial Banking. 

• Good knowledge of the credit process, loan documentation and collateral. 

• Excellent written and verbal communication skills 

• Ability to interact with all levels of employees, including senior executives 

• Has a clear sense and ability of when and why to escalate conflicts, concerns and issues 

• Ability to prepare presentations and reports using Word, Excel and PowerPoint 

• Ability to work independently and use own discretion when faced with decision making 

• Ability to organize and prioritize work and pay attention to detail 

• Experience in using Moody’s Credit Analyst, AFS, SalesForce, Content Manager is preferred. 

Hours & Work Schedule

Hours per Week:  40

Work Schedule:  Monday – Friday

Pay Transparency

The salary range for this position is $34.00 - $38.00 per hour.  Actual pay is based on various factors including but not limited to the work location, 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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.