Commercial Credit Officer II

Citizens•Johnston, RI

6d•$142,000 - $200,000•Hybrid

About The Position

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.

Requirements

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

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