Senior Commercial Agency Services Specialist is responsible for administering complex commercial loan transactions, including syndicated and commercial real estate (CRE) facilities. This role ensures accurate and timely loan servicing, supports construction lending activities, and maintains compliance with credit agreements and regulatory requirements. The candidate should have deep experience processing transactions within LoanIQ. The candidate should also have knowledge of finance related to loan and GL transactions along with experience in performing daily reconciliations. This position calls for direct client interaction (borrowers and lenders) and internal stakeholders. Therefore, the candidate must possess excellent communication skills and a sense of urgency in completing initiatives and requests that are critical to the health of the business.
Key Responsibilities
Commercial Real Estate & Construction Oversight
- Manage construction draw processes, including review of budgets, inspection reports, and disbursement requests
- Validate funding requests against loan terms and project milestones
- Track project progress, ensuring timely and compliant disbursements
- Support administration of interest reserves, capital expenditure and escrow accounts
Loan Servicing & Agency Administration
- Maintain and service a portion of the bank's loan portfolio where we serve as the Administrative Agent for syndicated deals.
- Process loan transactions, including fundings, paydowns, rollovers, and payoff calculations
- Coordinate and distribute required notices to participants and stakeholders
- Ensure adherence to credit agreements, regulatory requirements, and internal policies
Education
- Bachelor's degree in Finance, Business Administration, Accounting, or related field (or equivalent experience)
Experience
- 5–10+ years of experience in:
- Commercial loan servicing or agency services
- Syndicated lending or CRE loan administration
- Construction Loan Servicing (strongly preferred)
Knowledge, Skills & Abilities
- Strong understanding of:
- Commercial loan structures and credit agreements
- Syndicated loan servicing and agency responsibilities
- Commercial real estate and construction lending practices Prior experience in an agent bank or lead administrative role
- Experience with loan servicing systems (e.g., Loan IQ strongly preferred)
- High attention to detail with strong analytical and problem-solving skills
- Excellent written and verbal communication skills
- Proven ability to collaborate across teams and influence outcomes
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
- Bachelor’s degree in Finance, Business Administration, Accounting, or a related field, or equivalent experience
- 5–10+ years of experience in commercial loan servicing or agency services
- Experience with syndicated lending or commercial real estate loan administration
- Strong understanding of commercial loan structures and credit agreements
- Strong understanding of syndicated loan servicing and agency responsibilities
- Strong understanding of commercial real estate and construction lending practices
- Prior experience in an agent bank or lead administrative role
- Experience with loan servicing systems, with LoanIQ strongly preferred
- Construction loan servicing experience
- Experience performing daily reconciliations and knowledge of loan and general ledger transactions
- Excellent written and verbal communication skills
- Strong attention to detail, analytical, and problem-solving skills
- Ability to collaborate across teams and influence outcomes
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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