Sr Credit Officer, Commercial & Industrial (C&I) - Corporate Banking
About The Position
Senior Credit Officer – Commercial & Industrial (C&I) - Corporate Banking Division We are seeking a dynamic and experienced Senior Credit Officer to support and oversee credit risk within a Commercial & Industrial (C&I) portfolio of the Corporate Banking division. This role is responsible for independently evaluating, approving, and managing credit exposure across a diversified portfolio, with a sizeable concentration in healthcare. The position requires sound credit judgment, strategic thinking, and the ability to operate decisively in a fast-paced and multi‑stakeholder environment. The Senior Credit Officer role is highly visible and influential—requiring strong interpersonal skills, expertise in commercial credit, and the ability to collaborate effectively across a geographically dispersed organization while maintaining disciplined risk oversight and supporting business objectives.
Requirements
- 15+ years in a Wholesale Credit and Commercial Lending with primary experience dealing with Corporate credit relationships in a large bank environment
- Healthcare sector lending experience required
- Strong administrative, communication/interpersonal and negotiation skills
- Demonstrated ability to exercise sound judgment and act independently in a multi-tasked and fast paced environment
- 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
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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
