Loan Servicer III Commercial Operations

Citizens Bank•Johnston, RI

About The Position

As the Commercial Operations Loan Servicer III (Financial Statement Spreading), you will support the Commercial Banking credit process by analyzing financial statements and accurately capturing borrower financial information in established financial spreading systems. You will review and interpret statements, classify and reconcile financial data, perform quality-control reviews, and ensure information is recorded according to established spreading conventions and bank standards. The role requires accounting and financial-statement knowledge, analytical ability, attention to detail, and the ability to manage multiple priorities in a deadline-driven environment. You will work independently, use sound judgment when reviewing financial information, identify discrepancies or items needing clarification, and guide less experienced team members. The position is scheduled for 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 within Commercial Banking, commercial credit, underwriting, financial analysis, or commercial loan operations.
Prior experience performing financial statement spreading or financial statement analysis.
Experience working 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 spread 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 documents 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 research or clarification.
Support preparation of financial information for credit decisions, annual reviews, covenant monitoring, risk analysis, and ongoing portfolio management.
Manage assigned 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 business 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.