Citizens is currently recruiting for a Senior Credit Officer to support its Business Banking line of business. The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to both C&I and Investment Commercial Real Estate for companies with revenues up to $50MM and transaction sizes up to $15MM. This role requires a deep understanding of credit risk principles, financial analysis, and asset valuation. The successful candidate will work closely with sales, portfolio management, and legal teams to ensure credit quality and regulatory compliance, while supporting business objectives. Responsibilities: Serve as the primary credit approver for transactions across multiple industries. Evaluate and act on credit opportunities including new originations, renewals, and modifications by approving, declining, or escalating recommendations to the appropriate higher authority. Provide independent credit risk assessment and decision-making in alignment with the bank’s risk appetite and regulatory expectations. Partner with front-line business units to structure transactions that balance client needs with prudent risk management. Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits. Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing. Engage in client-facing due diligence and assist business partners with originating and onboarding new credit relationships. Ensure all credit delivery activities have been completed in a timely, efficient, and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure. Qualifications: 10 years of combined experience in underwriting and credit risk approval. Significant experience with both C&I and investment commercial real estate is preferred. Extensive experience with non-investment grade credit analysis, underwriting, and portfolio management. Strong administrative, communication, interpersonal, and negotiation skills. Demonstrated ability to exercise sound judgment and act independently in a dynamic environment. What We Offer: Competitive pay, comprehensive medical, dental, and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs, and more. Equal Employment Opportunity: Citizens provides 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.

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