The Sr Private Bank Lending Specialist supports the Relationship Manager with their loan portfolio with extraordinary care and service. The Sr 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 Senior Lending Specialist is expected to lead, mentor, and manage team members in loan pipeline oversight, and is an expert on credit policy, lending origination systems, and regulatory requirements involved in residential and/or commercial real estate/multi-family 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.
Qualifications, Education, Certifications and/or Other Professional Credentials
- minimum 5+ years of experience and knowledge of credit policy, lending origination systems, and regulatory requirements involved in commercial real estate/multi-family lending. 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
- Proficient use of MS Excel is required- pivot tables, macros, formulas and application navigation
Hours & Work Schedule
- Hours per Week: 40 (this is an exempt position and meeting deadlines requires flexibility in time management and additional hours as needed)
- Work Schedule: M-F (required 4 days in office/1 day WFH)
Pay Transparency
- The salary range for this position is $120,000 - $150,000 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.
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.
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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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