DescriptionSenior Credit Review Manager, Strategic ReviewThe Credit Review team is hiring a Senior Credit Review Manager to lead strategy-related activities for the function and perform select reviews to evaluate commercial and consumer borrower-level loan transactions, credit portfolios, and credit risk management practices. The Senior Credit Review Manager will report to the Head of Credit Review. Credit Review is an independent team in the bank’s third line of defense responsible for oversight of bank lending activities. The function reports to the Audit Committee of the Board. Primary responsibilities include
Manage and maintain Credit Review’s policies, standards, procedures, and templates.
Lead the enhancement and support ongoing execution of operational processes, such as semi-annual review cycle durations, annual planning, resource capacity and deployment, issue tracking, executive management and board reporting, and interactions with supervisory agencies and external auditors.
Manage system of record, shared drives, and workflow tools.
Lead the design, implementation, and reporting of internally generated data related to review analytics, including both standard and custom data visualization and reporting capabilities.
Complete Quality Assurance/Quality Control activities to confirm compliance with Credit Review’s methodology and identify best practices.
Coordinate skills assessment, talent development, and training initiatives for the Credit Review team.
Actively contribute to department strategy, decision-making and oversight; lead the enhancement and execution of day-to-day management routines, such as plan tracking, staff scheduling, and maintenance of supporting workflow tools.
Support interactions with other internal support functions, including the Internal Audit Operations and Data Analytics team, Regulatory Relations, Properties, and Finance.
Define, lead, and manage strategic initiatives, including Targeted Reviews and special projects, as needed.
Review individual credit transactions, where assigned. The review responsibilities will include assessing asset quality, loan structure, quality and accuracy of underwriting, identification of key risks, and overall evaluation of the ultimate support of the credit decision rendered.
Ensure accuracy of assigned credit risk and regulatory ratings and underlying rating model implementation. Assess that loan transactions are within with established bank credit policies, standards, and risk appetite.
Develop collaborative relationships with Bank stakeholders; foster a positive work environment consistent with CFG’s values and CREDO.
Qualifications, Education, Certifications and/or Other Professional Credentials
BA or BS degree; MBA or other advanced degree or certification is a plus.
10+ years of experience in credit review, credit sanctioning, loan structuring, and/or underwriting in wholesale or consumer lending functions in a regulated bank or bank regulatory agency. Understanding of US regulatory framework for credit risk review systems.
Excellent communication skills, both oral and written, with an ability to synthesize complex messages for an executive audience. Experience preparing materials for and interacting with supervisory agencies, external auditors, and executives. Strong negotiation skills with ability to defend position in a constructive manner.
A high degree of professional maturity and emotional intelligence appropriate for interactions with external and internal constituents at all levels. A natural collaborator and culture carrier who can lead effectively amidst ambiguity.
Proven ability to work in a team environment, lead others, and appropriately prioritize workload to ensure deadlines are met.
Self-motivated, with ability to work independently in a geographically dispersed environment.
Strong organizational, operational, and problem-solving skills. Ability to analyze situations quickly, multi-task and manage deadlines, work cross-functionally to build consensus, and develop and implement sustainable solutions.
Strong process, control, and documentation focus with experience driving change to enhance efficiency and effectiveness. Experience redesigning or transforming methodologies, processes, and procedures to enhance value or reduce defects.
Experience leading data analytics, reporting, and technology-related initiatives. Familiarity with one or more data management technologies and visualization applications will be an advantage. Experience using data to create KPIs to drive insights into internal operational performance.
Strategic thinker, yet strong attention to detail with a dedication to quality and operational excellence. Enthusiasm for learning and eagerness to remain current on bank, market, and industry developments.
Willingness to travel 0-10% if needed.
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday - Friday, 8:00 am to 5:00 pm
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.Equal Employment OpportunityAt Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.Equal Employment and Opportunity EmployerCitizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.Why Work for UsAt Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth03/28/2024
