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Private Bank Lending Specialist

Citizens Bank

Mixed Use Multifamily Office

Manhattan, NY

Salary Estimate: $125,000.00 - $149,999.00

Employment Type: Full Time

Work Place: Office , Hybrid

Experience Required: 2+ to 5 years

Education Required: 4 Year College

Benefits

Job Description

Citizens Private Bank has accelerated its strategy to build out Wealth Management, scale Business Banking, grow deposits, and expand in key growth markets. We are looking for talented individuals with a demonstrated track record of delivering a white glove experience to clients that results in long-term client loyalty.

There is a need for 2 hires on the East Coast for a Private Bank Lending Specialist and/or Sr Private Bank Lending Specialist to support the Relationship Manager with their loan portfolio with extraordinary care and service. The lending specialist works in primarily operational, processing, and analytical capacities, ensuring a high level of quality control from the loan application through closing process. The Lending Specialist is expected to take the lead in loan pipeline oversight, and is an expert on credit policy, lending origination systems, and regulatory requirements involved in or commercial real estate/multi-family lending and C&I/business banking lending.

Primary responsibilities include

Works closely with RM and client to identify lending needs and solutions.
Performs analysis of client's financials to determine loan eligibility.
After RM handoff, serves as main POC for all internal/external parties to lending transactions while keeping RM in the loop.
Manages end-to-end loan process with clients, internal/external partners from inquiry through post-closing (e.g., presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).
Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines.
Maintains a high level of quality control for verifying accuracy of financial and loan documents.
The senior lending specialist will have more access and authority in the loan origination system than more junior Lending Specialists.

Hours & Work Schedule

Hours per week: 40+
Work Schedule: M-F and required to work in office 4 days and 1 from home

Qualifications

2-5+ years of multi-family, mixed use, and owner occupied lending underwriting and loan processes
Demonstrated success working in high net worth, non-traditional loans and underwriting
Strong written and verbal communication skills with high attention to detail

Pay Transparency

The salary range for this position is $110,000 - $135,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

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.

Underwriting

Risk Management