Loan Servicer III Commercial Operations

Citizens Financial Group•Johnston, RI

About The Position

The Commercial Operations Loan Servicer III (Financial Statement Spreading) supports the Commercial Banking credit process by analyzing borrower financial statements and accurately capturing financial information in established financial spreading systems. The role reviews and interprets financial statements, classifies and reconciles financial data, conducts quality-control reviews, and ensures information is recorded according to established spreading conventions and bank standards. The position requires accounting and financial-statement knowledge, strong analytical skills, attention to detail, and the ability to manage competing priorities in a deadline-driven environment. The Loan Servicer III works independently, exercises sound judgment when reviewing financial information, identifies discrepancies or items requiring clarification, and provides guidance to less experienced team members. The schedule is 40 hours per week, Monday through Friday.

Requirements

High school diploma/GED or comparable experience.
Experience reviewing, analyzing, or working with financial statements, accounting information, commercial credit, lending, or a related financial-services function.
Working knowledge of balance sheets, income statements, cash flow concepts, and fundamental accounting principles.
Strong analytical, reconciliation, and problem-solving skills.
Strong attention to detail and demonstrated commitment to accuracy and quality.
Ability to independently manage multiple assignments, priorities, and deadlines.
Strong written and verbal communication skills.
Ability to identify discrepancies and appropriately research or escalate issues.

Nice To Haves

Bachelor’s degree in Accounting, Finance, Business Administration, or a related field.
Experience in Commercial Banking, commercial credit, underwriting, financial analysis, or commercial loan operations.
Prior experience performing financial statement spreading or financial statement analysis.
Experience with financial spreading, credit analysis, workflow, or case-management applications.
Knowledge of commercial credit processes and financial spreading conventions.
Experience reviewing complex borrower financial statements, tax returns, or supporting financial schedules.

Responsibilities

Analyze borrower financial statements and supporting documentation and accurately enter financial information into applicable financial analysis systems.
Review and classify balance sheet, income statement, and other financial information according to established spreading conventions.
Perform quality-control reviews and reconcile financial information to source documentation for accuracy, completeness, and consistency.
Process annual, interim, year-to-date, and other applicable financial statement periods.
Identify discrepancies, missing information, mapping issues, and items requiring additional research or clarification.
Support the preparation of financial information used for credit decisions, annual reviews, covenant monitoring, risk analysis, and portfolio management.
Manage assigned financial spreading requests and prioritize work to meet service expectations and business needs.
Maintain accurate records and documentation of completed financial spreading activity.
Partner with Commercial Banking, Credit, and other stakeholders to resolve questions and provide accurate, timely financial information.
Guide and support less experienced colleagues and contribute to consistent application of established processes and standards.