PB Lending Specialist BB

Citizens Bank

13d

About The Position

The Private Bank Lending Specialist BB delivers exceptional service and support to Relationship Managers and their high‑net‑worth clients, ensuring a seamless lending experience from application through closing. This role operates with a strong focus on operational execution, loan processing, financial analysis, and meticulous quality control.

Requirements

• 5+ years of commercial credit analysis experience across a variety of industries including professional services (i.e. law firms, medical practices), non-profit organizations, as well as private equity/venture capital (capital call lending, management company credit facilities). Experience with owner-occupied commercial real estate transactions is a plus (including SBA 504).
• Multi-family and commercial real estate underwriting experience.
• BA/BS Degree required with concentration in business, finance and/or accounting preferred.
• Strong decision-making, interpersonal and communication skills; including the ability to clearly understand complex concepts.
• Excellent organizational and time-management skills, and attention to detail.
• Self-motivated and self-disciplined, with the ability to work effectively with little supervision.
• Advanced familiarity with Word, Excel, and PowerPoint.

Nice To Haves

• Experience with high‑touch private banking or wealth‑management lending environments.
• Proficiency with loan origination systems (e.g., Encompass or similar platforms).
• Working knowledge of secondary market guidelines and real estate valuation principles.
• Ability to interpret complex tax returns and global cash flow analyses.
• Strong relationship‑building skills with a client‑centric, service‑oriented mindset.
• Demonstrated ability to manage multiple transactions simultaneously in a fast‑paced environment.
• Advanced Excel skills for financial modeling and scenario analysis.
• Experience with Moody's CreditLens and with AFS is a plus.

Responsibilities

• Partner closely with the Relationship Manager and the client to identify lending needs and propose appropriate credit solutions.
• Conduct thorough analysis of client financials to determine loan eligibility and support underwriting recommendations.
• Serve as the primary point of contact for all internal and external parties throughout the lending transaction once transitioned from the RM, while ensuring the RM remains fully informed.
• Manage the end‑to-end loan lifecycle—including presenting to Credit Officers, locking and submitting loans, gathering conditions, coordinating closings, and handling post‑closing requests.
• Monitor and manage the loan pipeline to ensure workflow efficiency, timely documentation, and on‑schedule closings.
• Maintain expertise in Private Bank credit policies, lending origination systems, and regulatory requirements related to commercial real estate and multi‑family lending.
• Uphold rigorous quality control standards by verifying accuracy and completeness of financial and loan documentation.

Benefits

• 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 every local and state jurisdiction in the United States.
• For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level