Description

The CRM C&I Workout Officer II delivers proactive management of a substandard portfolio of 10 to 15 C&I loans to minimize credit losses, ensure return matches risk and, where possible, return customers to a satisfactory rating. Our group is focused on a rescue culture to retain as many clients as possible. If you enjoy coming up with innovative solutions to complex problems in a high paced environment, this may be a great opportunity for you!

The portfolio will be a mix of large and complex bi-lateral and syndicated loans with individual Citizens Bank exposure averaging $15MM+. The C&I Workout Officer II role includes working alongside a team leader to devise strategies, negotiate and structure transactions, obtain credit approval and document accordingly. The role includes financial analysis, enterprise value assessment, analysis of market dynamics and maintaining all required internal and external reporting. Location flexible for the right applicant.

Qualifications:

+ 5+ yrs of Commercial Banking Experience in a C&I environment.

+ 5+ yrs experience in loan documentation and relevant Uniform Code and Bankruptcy considerations.

+ Adaptability to a high paced and challenging work environment.

+ Highly developed at persuasively presenting the Bank's thoughts and position to gain consensus and execute proposed solutions to remedy substandard and non-performing credits.

+ Excellent math and analytical skills.

+ Excellent communication skills both oral and written.

+ Excellent time management skills.

Education:

+ Bachelor's degree required

Hours and Work Schedule:

Hours per Week: 40

Work Schedule: Monday-Friday

Pay Transparency

The salary range for this position is $164,000- $215,000 per year, plus an opportunity to earn additional incentive earnings (if applicable). Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience. No other portions of the posting are changing, including benefits language or incentive guidance (e.g., Teller roles should continue to remove incentive language as noted). ‌‌

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 .

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our 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

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.

12/31/2026