Private Bank, Residential Lending Team Manager

Citizens Bank•Johnston, RI

5d•$187,000 - $229,000

About The Position

Citizens is seeking a Private Bank Residential Lending Team Manager to lead and inspire a team of Residential Lending Specialists in key growth markets. The manager oversees day-to-day residential lending pipeline operations, promotes operational excellence, and serves as the primary escalation point for pipeline challenges. The role also involves underwriting complex loan transactions as needed and supporting seamless loan processing and exceptional client service. The position provides day-to-day supervision, training, coaching, and mentorship to the team while fostering a collaborative, results-oriented environment and continuous professional development. The manager collaborates with sales, processing, and closing teams, tracks pipeline and team performance, reports on key metrics, and contributes to strategic initiatives that enhance the residential lending platform and support business growth. The schedule is 40 hours per week, Monday through Friday, 8:00 a.m. to 5:00 p.m. The salary range is $187,000–$229,000 per year, with the opportunity to earn additional incentive earnings. Actual pay depends on factors including budget, work location, skills, and experience. Citizens offers medical, dental, and vision coverage, retirement benefits, maternity and paternity leave, flexible work arrangements, education reimbursement, wellness programs, and paid time off. Employment offers are conditioned on successfully passing a background check.

Requirements

5–10 years of progressive residential real estate underwriting experience, including expertise in complex lending scenarios.
At least 5 years of direct people leadership experience, with demonstrated success leading and developing residential lending professionals.
Bachelor’s degree.
Ability to work a 40-hour week, Monday through Friday, 8:00 a.m. to 5:00 p.m.

Nice To Haves

Experience supporting Private Banking and/or high-net-worth clients and complex residential lending needs is strongly preferred.

Responsibilities

Oversee the residential lending pipeline from application through closing, identify and address bottlenecks, implement process improvements, and monitor KPIs to improve productivity and meet service-level agreements.
Underwrite complex loan applications as needed, assess risk, make sound lending decisions, and advise team members on structuring complex deals.
Supervise, train, coach, and mentor Residential Lending Specialists, fostering a collaborative team environment and continuous learning and professional development.
Serve as the primary escalation point for pipeline issues, resolve complex problems, remove roadblocks, and proactively identify and mitigate potential risks.
Collaborate with sales, processing, and closing teams to support seamless loan transactions; maintain stakeholder communication and provide updates on pipeline status and key initiatives.
Monitor and analyze performance metrics and report on pipeline activity, loan quality, and team performance; identify trends and opportunities for improvement.
Contribute to strategic initiatives to enhance the residential lending platform, improve efficiency, and drive business growth.