Job Specifications
Apply for the Commercial Credit Risk Senior Director role at Citizens.
We are seeking a dynamic and experienced credit executive to lead the Commercial & Industrial (C&I) Credit Risk function for the Corporate Banking division. This role is responsible for managing credit risk across all industry verticals, including but not limited to industrials, energy, transportation, technology, healthcare, aerospace and defense, and financial services. The role also leads a geographically dispersed team of Senior Credit Officers with deep sector expertise and delegated approval authorities. Key Responsibilities
Portfolio Leadership & Strategy: Lead the strategic direction and risk oversight of a complex C&I credit portfolio, ensuring alignment with the bank's risk appetite, growth objectives, and regulatory expectations.
Team Management & Development: Manage and mentor a team of senior Credit Officers across multiple geographies, promoting a culture of accountability and continuous learning.
Credit Decisioning & Governance: Hold delegated credit authority for high-value transactions and provide recommendations for credits exceeding approval thresholds; advise senior credit officers in complex deal situations; serve as a senior voice in credit discussions, policy forums, and risk governance bodies.
Sector Expertise & Transactional Support: Leverage industry knowledge to support complex credit structures, including leveraged finance, acquisition financing, and syndicated loans; partner with Corporate & Investment Banking and Capital Markets teams to deliver tailored client solutions.
Regulatory & Risk Management Leadership: Represent the credit function in regulatory exams, internal audits, and model validation reviews; contribute to risk appetite formation, policy enhancements, and strategic initiatives.
Stakeholder Engagement: Act as a senior advisor to Relationship Managers, Portfolio Managers, and business line leaders; participate in client meetings to assess creditworthiness and support informed decision-making. Qualifications
20+ years of commercial credit experience at major banks, with a strong track record in managing large, complex portfolios.
Demonstrated leadership in managing high-performing credit teams across diverse geographies and sectors.
Deep understanding of regulatory requirements, underwriting practices, and capital markets products.
Experience adjudicating credit decisions and exercising credit approval authority.
Experience and knowledge of leveraged finance, special assets, and workout scenarios.
Strong executive presence and the ability to influence senior stakeholders across the organization. Hours & Work Schedule
Hours per Week: 40
Work Schedule: M - F Pay Transparency
The salary range for this position is $220,000 to $340,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including location and relevant skills and experience. Benefits
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs, and more. 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 benefits, visit https://jobs.citizensbank.com/benefits. Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies 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, ethnicity, gender, gender identity or expression, genetic information, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. Citizens is committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth. Seniority Level
Not Applicable Employment Type
Full-time Job Function
Finance and Sales; Industries: Banking