Jobs at Citizens

Underwrite complex home equity line of credit applications by analyzing borrower documentation, tax returns, K-1s, income calculations, credit policy, and regulatory requirements. Make sound credit decisions, verify application information, identify counteroffer opportunities, document underwriting methodology, mitigate organizational risk, and meet productivity and quality standards while coordinating with loan officers and internal departments.

Supports investment banking origination and transaction execution across financings, mergers and acquisitions, and advisory services, with a technology focus. Responsibilities include financial modeling, industry and company research, process coordination, client presentations, pitch materials, offering memoranda, and other transaction documentation. The analyst works with senior bankers and clients while managing multiple projects and teams.

Underwrite complex home equity line of credit applications by analyzing borrower documentation, creditworthiness, tax returns, K-1s, verifiable income, and repayment ability. Apply consumer lending policies, regulatory guidelines, and secondary market requirements to make sound credit decisions, mitigate risk, document methodologies, and identify counteroffer opportunities while meeting quality and productivity standards.

Provides application and operational support for Asset Finance systems, primarily InfoLease and Rapport. Resolves issues, troubleshoots workflows, monitors data integrity, supports lease accounting processes, coordinates defect resolution, and develops system documentation and training. Executes testing, supports audits and compliance controls, maintains continuity documentation, and produces recurring and ad hoc reports. Partners with Operations, Technology, vendors, and business users to improve system performance, reporting accuracy, data quality, and workflows.

Develop and manage a branch-based wealth management practice by conducting client discoveries, creating tailored financial plans, driving new business development and referrals, conducting proactive outreach, and coordinating with internal specialists for investment, insurance, estate, and financial planning services.

Leads a strategic sourcing team supporting core banking categories, including payments, cash management, and investment products. Develops multi-year category strategies, drives savings and value delivery, leads complex negotiations, manages strategic suppliers, monitors performance and risk, and advises senior stakeholders. The role also coaches sourcing professionals, coordinates cross-functional initiatives, and ensures commercial and regulatory alignment within a regulated banking environment.

Develop and manage a branch-based wealth management practice: build and deepen client relationships, prospect and grow business through partner referrals, deliver tailored financial planning and investment, insurance, and estate solutions, and collaborate with internal specialists to meet client goals.

Own the vision, strategy, roadmap, and backlog for Commercial Enterprise Profitability platforms, including Precision Lender and historical profitability data marts. Partner with Finance, Risk, Technology, Data, and business leaders to establish profitability methodologies, pricing capabilities, data governance, KPIs, and margin optimization solutions. Identify and deliver AI-enabled use cases that improve data accessibility, analysis, automation, and decision-making while leading agile product delivery.

Handles customer calls and provides collection and recovery solutions for customers experiencing financial hardship. Serves as a subject matter expert, maintains account and system records, follows debt-collection laws and bank policies, supports junior staff, conducts peer reviews, and helps improve collection metrics through projects and process initiatives.

Supports middle-market M&A transactions in the Consumer and Retail sector by building financial models, performing valuations, conducting due diligence, preparing transaction documents and pitch materials, participating in client meetings, developing transaction strategies, and supporting business development. The role works closely with junior and senior bankers and manages multiple transactions in a fast-paced environment.

Supports investment banking origination and transaction execution across financings, mergers and acquisitions, and advisory services. Performs financial analysis and modeling, industry and company research, process coordination, and prepares pitch materials, client presentations, offering memoranda, and proposals. Works with senior bankers and interacts with current and prospective clients in the defense, government, engineering, and industrial services sectors.

Supports senior investment bankers in originating and executing M&A, leveraged finance, equity capital markets, and corporate finance transactions. Responsibilities include financial modeling, company and industry research, transaction analysis, pitch and marketing materials, client presentations, underwriting processes, due diligence, legal documentation, and transaction execution. The Associate also supports client development and supervises analyst-level bankers.

Supports M&A advisory transactions for lower mid-market Consumer, Retail, and Restaurant companies. Responsibilities include financial modeling and business valuations, client and prospect meetings, industry and company due diligence, transaction execution, marketing and pitch materials, business development, and managing multiple projects while coordinating with senior bankers and clients.

Branch-based Wealth Advisor develops personalized wealth management strategies, conducts client discovery, grows and preserves client relationships, sources referrals via partners, performs proactive outreach, and coordinates internal specialists to deliver financial planning, investment management, insurance, and estate planning services.

Build and manage a branch-based wealth management practice by conducting client discoveries, creating tailored financial plans, growing relationships through referrals and partner engagement, and leveraging internal specialists for investment, insurance, and estate planning services.

Leads enterprise AI tooling and security engineering, designing scalable cloud platforms and secure AI applications. Responsibilities include protecting models, agents, prompts, data, APIs, and outputs; securing the AI/ML lifecycle; implementing identity, encryption, monitoring, threat detection, adversarial testing, and incident response; and establishing engineering standards. The role mentors engineers, influences architecture and technology strategy, and partners with governance, risk, compliance, and business teams to support responsible AI adoption.

Manage, acquire, and deepen commercial banking relationships with businesses generating $5 million to $50 million in annual revenue. Advise clients on credit, liquidity, interest rate management, treasury, and wealth management solutions. Generate loans, deposits, fee income, and new business through consultative sales, internal partnerships, and community engagement while managing risk, compliance, customer satisfaction, and moderately complex portfolios.

Lead strategic sourcing and category management for assigned commodities. Develop and execute sourcing strategies, drive cost savings, manage vendor negotiations and contracts, and partner with business owners to align sourcing with business goals. Use analytics and market intelligence to identify opportunities, lead cross-functional sourcing initiatives, and improve third-party value and service levels.

Design and implement interior environments, exterior signage, and environmental branding for retail branches, offices, and ATMs. Develop design standards, playbooks, signage concepts, construction documents, presentations, and prototypes while coordinating architects, suppliers, and internal stakeholders. Manage multiple projects, budgets, schedules, site inspections, and punch-list resolution. Ensure designs meet brand, ADA, compliance, zoning, and cost requirements while applying customer feedback and value engineering.

Maintains bank facilities by responding to service requests, completing repairs and light construction, relocating office furniture, closing work orders in a CMMS, communicating with customers, managing supplies, and purchasing materials. The role requires prioritizing work, working efficiently under pressure, and traveling as needed.