The colleague serves as the primary business support resource and subject matter expert for the Construction-to-Permanent (CtP) lending program. This role is responsible for supporting program governance, policy and procedure management, risk oversight, and operational execution. The position partners closely with Sales, Credit Risk, Project Review, Legal, Operations, and Draw Administration to ensure consistent application of program requirements and successful loan execution throughout the construction loan lifecycle.
Key responsibilities include maintaining and enhancing CtP program governance, providing guidance on complex loan scenarios, supporting policy alignment, facilitating certification training, and advising stakeholders on construction lending risks, exceptions, and operational challenges.
Primary responsibilities include
- Provide consultative support to Project Review and business partners, including guidance on loan scenarios, contract reviews, draw schedules, and project budget evaluations.
- Collaborate with stakeholders across Credit Risk, Operations, Servicing, Legal, and Sales to ensure program requirements remain current, effective, and aligned with business objectives.
- Evaluate non-standard transactions and exception requests, recommend appropriate solutions, and support decisions consistent with CtP policies and established risk parameters.
- Maintain CtP certification materials and facilitate training sessions and webinars for program participants.
- Serve as a subject matter expert and trusted resource for associates and business partners across the organization.
- Identify trends, risks, and emerging issues, and communicate findings and recommendations to leadership.
- Maintain and enhance program documentation, procedures, controls, and governance materials.
- Support continuous improvement initiatives to strengthen program effectiveness, risk management, and operational efficiency.
Qualifications, Education, Certifications and/or Other Professional Credentials
- 5-10 years of experience supporting Construction-to-Permanent (CtP) lending programs and products.
Demonstrated confidence and professional courage to hold sales teams and sales leadership accountable to program requirements.
Strong organizational, planning, and leadership skills, with the ability to manage priorities, resolve challenges, build relationships, and influence stakeholders.
Demonstrated decision-making and problem-solving skills, including the ability to evaluate complex situations and provide well-supported recommendations.
Strong analytical and research capabilities, with the ability to identify trends, interpret data, and assess business impacts.
- Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.
- Excellent written and verbal communication skills. Experience working effectively within a collaborative, matrixed environment involving Operations, Credit Risk Management, Sales, and other cross-functional partners.
- Direct experience in construction lending, including draw administration, project review, processing, underwriting, and loan closing activities.
- Knowledge of construction lending risk management practices, policies, and regulatory requirements.
- Experience supporting program governance, policy development, and operational process improvement initiatives.
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: M_F 8-5
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Equal Employment and Opportunity Employer
Job Applicant Data Privacy Policy
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
Skills Required
- 5-10 years of experience supporting Construction-to-Permanent lending programs and products
- Confidence and professional courage to hold sales teams and sales leadership accountable to program requirements
- Strong organizational, planning, and leadership skills
- Ability to manage priorities, resolve challenges, build relationships, and influence stakeholders
- Decision-making and problem-solving skills, including evaluating complex situations and providing well-supported recommendations
- Strong analytical and research capabilities, including identifying trends, interpreting data, and assessing business impacts
- Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint
- Excellent written and verbal communication skills
- Experience working effectively in a collaborative, matrixed environment with Operations, Credit Risk Management, Sales, and cross-functional partners
- Direct experience in construction lending, including draw administration, project review, processing, underwriting, and loan closing activities
- Knowledge of construction lending risk management practices, policies, and regulatory requirements
- Experience supporting program governance, policy development, and operational process improvement initiatives
Citizens Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citizens and has not been reviewed or approved by Citizens.
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Parental & Family Support — Policies include six weeks of fully paid parental leave for all parents, up to 16 weeks for birthing parents, 10 days of emergency back‑up care, and adoption assistance of more than $25,000. Recognition for adoption support underscores a strong family‑friendly posture.
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Leave & Time Off Breadth — Time off includes 11 paid holidays and up to 27 PTO days. The breadth of leave is presented as generous versus many peers.
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Healthcare Strength — Medical, dental, and vision options pair with an HSA that includes a company contribution, plus mental‑health access via Spring Health (eight no‑cost sessions), Hinge Health, wellness programs, and discounted gyms. Eligibility at 20+ hours per week broadens access to these resources.
Citizens Insights
What We Do
As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. We invest in the humans who build the logic, ideas, and innovations that bring new technologies to life. Investments in AI, cloud computing, machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security, learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation
Why Work With Us
We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits, plus a diverse culture of people and perspectives, we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving, and we believe you can too.
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