Sr Credit Officer, Commercial & Industrial (C&I) - Corporate Banking

Citizens Bank

10h•$275,000 - $300,000

About The Position

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