http://cfgcareers.com/careers/lending-jobs en
Manages the activities of a team of Relationship Managers and Business Development Officers, typically covering a multi-county, major metropolitan geographic territory. Effectively manages, coaches and mentors team members to achieve financial budget via soliciting, developing and servicing for profit and not-for-profit developers of affordable housing and other economic revitalizations projects. Has P&L responsibility for team, including asset/liability, revenue and expense targets. Responsible for asset quality and maintaining a prudent control environment. Coordinates product partner activities with team (including Capital Markets), communicates to staff on key RBS/CFG information, manages campaigns and initiatives, and networks effectively in the business community. Serves as one of the executives for Community Development Lending (“Rainmaker”) in a metropolitan area, insuring coordination of Community Development Lending team to maximize market coverage and positioning.



SALES MANAGEMENT:

Execute LEADS sales management continuum that spans entire team focused on new client acquisition (New Opportunity Memo’s/Assessment), uptiering of relationships (“Trusted Advisor”), cross-sales, and relationship management roles (RM, Sales Assistants).
Integrating strategic/financial expectations into actionable sales management routines and sales planning activities (understand market and manage prospect data base) while assigning goals to RM’s at the team level. Coordinates product partner activities with team (including Capital Markets) in order to actively cross-sell the full RBS/CFG solution set. Drive to exceed business line sales goals and new client acquisition targets. Design effective utilization of systems including SalesForce.com to support management of sales processes and creation of sales leads and maintenance of prospect lists.
Creating targeted and consistent frontline execution activities including Portfolio Assessments (PREP), Relationship Reviews as well as new sales pipeline routines that are consistently executed and financially accurate. Focus of leadership includes provision of construction loans for multi-family housing projects leveraging Low-Income Housing Tax Credit program. Provide senior mentoring for structuring credit proposals and lead bank opportunities as well as providing senior review of client pitches and proposals. Maintain good working knowledge of banking industry as well as key industries of the client base. Maintain high levels of Customer satisfaction.
Designing and managing sales recognition and rewards events while establishing internal communications to share sales successes and best practices. Communicate and share market information within and across teams.
Communicating with Divisional Executives about sales performance of team, involving Divisional Executive and Executive Management appropriately to collaborate together to bring a localized “full-court press” approach when appropriate.



CREDIT STEWARDSHIP AND RISK MANAGEMENT:

Manage credit quality of the portfolio and deal with credit issues in conjunction with Portfolio Management and Risk counterparts. Assure that proper monitoring of credit performance of clients is followed by RM’s and elevate all significant credit issues to senior management.
Promote a prudent control environment with adherence to all Credit Policies as well as Compliance and Training requirements.
Identifying opportunities to drive a positive client experience via improvement strategies across Commercial and partner initiatives. Coach, mentor and assist in proper communication of credit issues with clients and with partners within the Bank.



PERSONNEL MANAGEMENT, COACHING AND DEVELOPMENT:

Conduct mid-year and full year personnel reviews. Provide continuous coaching and mentoring to RM’s to improve their performance and assist in their professional development. Participate in Talent Watch with DE.
Central liaison for team members across all commercial businesses to ensure consistency in approach, reporting and sales communications.
Maintain knowledge of competitors and talent for possible recruiting purposes.



COLLEAGUE AND COMMUNITY ENGAGEMENT:

Actively communicate RBS and CFG strategy and performance to staff while promoting an interactive environment focused on continuous improvement where you are available to listen to colleague opinions and concerns. Actively manage Colleague Engagement.
Help raise the profile of Citizens Bank in their respective markets via some forms of civic and business leadership which cultivates a Commercial network at the executive level.

Qualifications

EDUCATION:

Bachelor Degree required.
Master’s Degree preferred.
Certification or Licensure preferred.



SKILLS/COMPETENCIES:

Proven experience and successful results designing, developing, and executing sales process and sales management.



WORK EXPERIENCE:

Sales Management: 15 years direct commercial banking line management, predominantly in Middle Market and Mid-Corporate segments.
Excellent interpersonal skills including ability to work with all types of personalities at all levels of the organization and the ability to gain the trust and respect of Citizens senior executive team.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386761]]> Tue, 22 May 2012 16:00:00 GMT 2454852-Providence-Lending
Develop strong marketing strategy for the Asset Based Lending Division including calling on referral sources and target companies in the Northeast region. Originate and close on a minimum of three to five transactions each year. Achieve annual new commitments closed of $100 million. Cross-sell other bank products including cash management, FX, interest rate hedging and capital markets capabilities.

Qualifications

BA (MBA a plus) in Business, Accounting or Economics and at least 8 years experience in structuring, syndicating, and successfully closing structured commercial finance transactions.


Strong industry knowledge and contacts.


Ability to work independently and build trusting working relationships.


Sound business judgment and ability to properly assess and qualify asset based lending opportunities.


Excellent communication, analytical, and writing skills.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Asset Finance, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386702]]> Sun, 20 May 2012 16:00:00 GMT 2448295-Boston-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: IL, MI, and OH.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

386622]]> Sun, 20 May 2012 16:00:00 GMT 2448284-Akron-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

The incumbent completes a variety of regulatory and clerical tasks to support Processing, Closing and Underwriting functions including but not limited to preparing and completing disclosure packages, completing appraisal requests, flood reviews, forwarding and monitoring receipt of title reviews, complete verification of employment, obtain homeowner’s insurance, index documentation, data enter loan information (if applicable), faxing and following up on documentation if needed. Adherence to regulatory and bank guidelines and department standards is required.


Review submitted documentation to ensure compliance with bank requirements. Access websites as needed. Follow up on documentation issues with customers. Complete review within department standards. Able to process all mortgage or home equity products efficiently.


Enter clear and concise comments, edit information, and document application.


Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, and/or explanation of required documentation


Basic knowledge of secondary market/lending programs and guidelines with the ability to apply


bank, state and federal regulations to ensure compliance (Fair Lending, Reg B., etc).


Meet or exceed department productivity and quality standards within department turn-time standards.

Qualifications

High School Graduate or Equivalent


Proficient in PC skills


2-3 years work experience in either an office or retail environment closing loans


Knowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites


Experience in oral and written communication with internal and external customers

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386681]]> Sun, 20 May 2012 16:00:00 GMT 2448288-Cincinnati-Lending
Develop strong marketing strategy for the Asset Based Lending Division including calling on referral sources and target companies in the Northeast region. Originate and close on a minimum of three to five transactions each year. Achieve annual new commitments closed of $100 million. Cross-sell other bank products including cash management, FX, interest rate hedging and capital markets capabilities.

Qualifications

BA (MBA a plus) in Business, Accounting or Economics and at least 8 years experience in structuring, syndicating, and successfully closing structured commercial finance transactions.


Strong industry knowledge and contacts.


Ability to work independently and build trusting working relationships.


Sound business judgment and ability to properly assess and qualify asset based lending opportunities.


Excellent communication, analytical, and writing skills.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Asset Finance, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386701]]> Sun, 20 May 2012 16:00:00 GMT 2448294-Stamford-Lending
Working in a team environment, the candidate will analyze, structure, underwrite and present credit recommendations on Asset Based Loan requests and/or modifications. Analyses will include in-depth review of financial statements, projections, and other relevant credit information. Preparation of underwriting documents will also include client exposure strategies, credit risks and mitigants, cash flow repayment analysis, collateral analysis on multiple asset classes, preparation of pricing and risk rating models, and completion of the credit proposal summary in accordance with Citizens Financial Group policy. The position will also include interaction with Bank clients and prospects. The position may include travel primarily for prospect/client meetings and site inspections.

Qualifications

Minimum of 10 years experience in Asset Based Lending.


Bachelor's Degree in Business, Finance, or Economics preferred.


Successful completion of formal credit training preferred.


Experience with Commercial modeling and risk measurement preferred.


Excellent PC skills in Excel and Microsoft Word.


Ability to coordinate multiple projects and satisfy strict deadlines.


Excellent verbal and written communication skills required.


Strong organizational and time management skills required.


Ability to prioritize, multitask, and be a self-starter.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386543]]> Tue, 15 May 2012 16:00:00 GMT 2437224-Boston-Sales-and-Service
Solicits, develops, and services a portfolio of commercial clients with annual company revenue of $5-25 million via acquisition of new relationships and effectively identifying cross-selling opportunities for existing clients. Products marketed include, but are not necessarily limited to: credit, interest and currency risk management products, cash management, international trade, and liquidity solutions. Effectively utilizes centralized credit support utility for both new originations and portfolio management. Appropriately identifies customer and transaction credit risks, and consistently applies credit policies and processes.
Senior relationship manager responsible for soliciting, developing and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured, for key bank clients. Incumbents usually handle complex accounts and sensitive client relationships, and are trusted to handle difficult negotiations and credit assessments on an independent basis. Interviews loan applicants. May direct credit department's or junior officer's analysis on applicants financial data to evaluate credit worthiness. Makes decisions on loans at the highest lending limits or makes recommendations
This is an individual contributor role. Typically responsible for portfolios with 60-200 relationships, loan commitments of $20-50 million, deposit balances of $20-50MM, and originates loan transactions ranging from $500 thousand to $10 million. May be responsible for a larger number of relationships, but relatively less complex than average client.

Qualifications

Must have 8-10 years current commercial lending experience with the ability to manage and grow significant customer portfolio.


4-year business degree with successful completion of credit training program.


Excellent communication and interpersonal skills and the ability to develop strong customer relationships.


Proven sales abilities with good computer skills for recording and tracking results

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of Citizens Bank of Pennsylvania to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386576]]> Mon, 14 May 2012 16:00:00 GMT 2433743-Philadelphia-Corporate
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386498]]> Sun, 13 May 2012 16:00:00 GMT 2430002-Boston-Sales-and-Service
Responsible for documentation and systems review of closed loan files to ensure the loan documentation is in compliance with Investor requirements inclusive of various Bond Agencies and FHA/VA insuring guidelines.  Complete steps required to ensure prompt loan file review and delivery to all investors.  Prepare binder/files to investors.  Remit initial government premiums to HUD and VA.  Process steps required to insure FHA/VA loans on-line for loan insuring purposes.  Correspond with the Settlement Agents to obtain outstanding closing documents.  Handles and assists with clearing of investor requirements and requests; prevent or resolves issues as they arise.
 

Qualifications

FHA/VA/Conventional Mortgage requirements

Investor guidelines

Office procedures

Effective verbal, written, and interpersonal communication skills

Data Entry

Math Aptitude

10 Key Calculator

Attention to Detail

Accuracy

Strong spelling, grammar, and proofing skills

Works effectively under deadline pressure

Flexibility

Ability to learn and retain procedural information

Ability to work overtime as needed, including weekends

High School degree or equivalent plus additional coursework in business finance or mortgage banking

Additional work experience may be considered in lieu of coursework

Minimum 2 year experience in mortgage banking environment

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386268]]> Thu, 10 May 2012 16:00:00 GMT 2424897-Richmond-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: IL, MI, and OH.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

386263]]> Tue, 08 May 2012 16:00:00 GMT 2425040-Birmingham-Sales-and-Service
Senior relationship manager responsible for soliciting and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured. Cross-sells bank services. Incumbents typically handle the most complex accounts, sensitive client relationships, difficult negotiations, and credit assessments on an independent basis. Conducts customer meetings and interviews. Provides analytical guidance to credit analysts and/or portfolio managers as client's credit worthiness is evaluated. Recommends structure and terms for credit approval on loans requiring a high level of lending experience. Position is typically held by an individual contributor with aggressive sales goals.

Qualifications

Typically requires a Bachelor's degree or equivalent.

8-10+ years of related commercial experience.

Exceptional business development and credit quality results.

In-depth understanding of bank products and credit guidelines.


Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386332]]> Tue, 08 May 2012 16:00:00 GMT 2424927-Boston-Corporate
The incumbent reviews and prepares closing packages for equity and mortgage products, contacts branches and settlement agents to obtain routine loan documentation, and resolves documentation issues for loan closings.  The incumbent must have excellent oral communication skills and knowledge of equity and mortgage closing documents. The incumbent is required to meet department productivity and quality standards
Verify accuracy of information input into the system, by comparing key documents such as title, homeowner’s insurance, appraisal and flood certificate. Verify rate expiration and doc expirations.
Review closing settlement sheets from closing agent and update the system with escrow information and conditions that must be satisfied prior to funding.  Prepare closing packages for all products offered.
Review fees and charges, calculate net funding, enter wire information and send e-mail notification to accounting. 
Send closing docs to agents electronically, fax figures and conditions, update system, receive HUD from agent for review and approval.
Ensure the scheduling of loan closings with either the settlement agent or the customer.  Ship files to post closing
Enter clear and concise comments, edit information and document application status on appropriate loan systems.
 

Qualifications

High School or Equivalent (GED), required

Associate Degree / Bachelor Degree preferred or 2 years of closing experience

2 years experience in the following areas:


Mortgage or equity loan closing - Knowledge of loan documentation related to closings, experience working with various branches and settlement agents

Ability to work in a high volume, fast paced environment - Ability to produce under pressure, multi task and prioritize in a sometimes stressful environment

Customer Service - Experience in oral and written communication with internal and external customers

Proficient PC Skills - Outlook, Microsoft




Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

386305]]> Tue, 08 May 2012 16:00:00 GMT 2425035-Providence-Lending
Senior relationship manager responsible for soliciting and servicing a wide variety of middle market commercial loans and lines of credit, both secured and unsecured. Cross-sells bank services. Incumbents typically handle the most complex accounts, sensitive client relationships, difficult negotiations, and credit assessments on an independent basis. Conducts customer meetings and interviews. Provides analytical guidance to credit analysts and/or portfolio managers as client's credit worthiness is evaluated. Recommends structure and terms for credit approval on loans requiring a high level of lending experience. Position is typically held by an individual contributor with aggressive sales goals.

Qualifications

Typically requires a Bachelor's degree or equivalent.  8-10+ years of related commercial experience.  Exceptional business development and credit quality results.  In-depth understanding of bank products and credit guidelines.  
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

386112]]> Wed, 02 May 2012 16:00:00 GMT 2406274-New-York-State-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: IL, MI, and OH.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

386098]]> Tue, 01 May 2012 16:00:00 GMT 2406302-Illinois-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

386054]]> Mon, 30 Apr 2012 16:00:00 GMT 2395885-Rhode-Island-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385953]]> Thu, 26 Apr 2012 16:00:00 GMT 2385750-New-York-State-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385950]]> Thu, 26 Apr 2012 16:00:00 GMT 2385752-Pennsylvania-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385952]]> Thu, 26 Apr 2012 16:00:00 GMT 2385754-Albany-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385956]]> Thu, 26 Apr 2012 16:00:00 GMT 2385748-Delaware-Sales-and-Service
The incumbent reviews and prepares closing packages for equity and mortgage products, contacts branches and settlement agents to obtain routine loan documentation, and resolves documentation issues for loan closings.  The incumbent must have excellent oral communication skills and knowledge of equity and mortgage closing documents. The incumbent is required to meet department productivity and quality standards.  
 

Qualifications

Skills:   Indicate the minimum skills required to competently perform the duties of this job.  Please note:  This will be included in future job postings and be used to screen applicants.
Attention to detail and accuracy, ability to prioritize and meet deadlines in a high volume area. Ability to follw directions, multi task and work independently. Ability to readily adapt in a fast pace ever changing environment. Advanced typing skills and strong computer skills. Ability to work well in a team environment. 
Work Experience:   Identify the minimum related experience required to competently perform the duties of this job.  Please note:  This will be utilized be included in future job postings and be used to screen applicants.
Type Of Work Experience       Years        Description of Experience
Proficient PC Skills                  2 years     Outlook, Microsoft
Customer Service                    2 years  Experience in oral and written communication with internal and external customers
Ability to work in a high volume, fast paced environment      2 years   Ability to produce under pressure, multi task and prioritize in a sometimes stressful environment
Mortgage or equity loan closing  2 years  Knowledge of loan documentation related to closings, experience working with various branches and settlement agents
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385943]]> Thu, 26 Apr 2012 16:00:00 GMT 2385755-Richmond-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385959]]> Thu, 26 Apr 2012 16:00:00 GMT 2385741-Philadelphia-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385955]]> Thu, 26 Apr 2012 16:00:00 GMT 2385747-New-York-State-Sales-and-Service
Underwriting responsibilities will include structuring, negotiating and closing new asset based loans to retail industry companies.  Relationship Management responsibilities include structuring, underwriting and servicing an existing portfolio of asset based credit facilities for retail industry companies.   Officer will manage complex client relationships, with substantial credit structuring, credit analysis and administrative duties.
 

Qualifications

BA (MBA a plus) in Business, Accounting or Economics and at least 8 years experience in structuring, syndicating, and successfully closing structured commercial finance transactions.


Strong industry knowledge and contacts.


Ability to work independently and build trusting working relationships.


Sound business judgment and ability to properly assess and qualify asset based lending opportunities.


Excellent communication, analytical, and writing skills.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382672]]> Wed, 18 Apr 2012 16:00:00 GMT 2365650-New-York-State-Sales-and-Service
Solicits, develops, and services a portfolio of commercial clients with annual company revenue of $5-25 million via acquisition of new relationships and effectively identifying cross-selling opportunities for existing clients.  Products marketed include, but are not necessarily limited to: credit, interest and currency risk management products, cash management, international trade, and liquidity solutions.  Effectively utilizes centralized credit support utility for both new originations and portfolio management.   Appropriately identifies customer and transaction credit risks, and consistently applies credit policies and processes.
Senior relationship manager responsible for soliciting, developing and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured, for key bank clients.  Incumbents usually handle complex accounts and sensitive client relationships, and are trusted to handle difficult negotiations and credit assessments on an independent basis.  Interviews loan applicants.  May direct credit department's or junior officer's analysis on applicants financial data to evaluate credit worthiness.  Makes decisions on loans at the highest lending limits or makes recommendations
This is an individual contributor role.   Typically responsible for portfolios with 60-200 relationships, loan commitments of $20-50 million, deposit balances of $20-50MM, and originates loan transactions ranging from $500 thousand to $10 million.  May be responsible for a larger number of relationships, but relatively less complex than average client.
 

Qualifications

Must have  8-10 years current commercial lending experience with the ability to manage and grow significant customer portfolio. 


4-year business degree with successful completion of credit training program.


Excellent communication and interpersonal skills and the ability to develop strong customer relationships. 


Proven sales abilities with good computer skills for recording and tracking results
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385608]]> Tue, 17 Apr 2012 16:00:00 GMT 2362878-Massachusetts-Sales-and-Service
The Relationship Manager is the central contact person for credit-based clients; he/she quarterbacks the delivery and maintenance of a wide array of diverse bank products and services through cross-sell partners and acts as a trusted advisor to the client’s executive management team. The trusted advisor role revolves around relationship building, idea generation, strategic business discussions, risk management, credit structuring, industry observations, and other matters of elevated importance.
 The Relationship Manager will manage a portfolio of credit and non-credit relationships of varying size and complexity. Equally important, he/she shall be responsible for active market coverage of prospective clients to achieve new client acquisition goals to generate new and incremental margin and fee-based revenue from both credit and non-credit ancillary product sales, including capital markets products and services offered by the Bank.
 Within the Middle Market team, the Relationship Manager will focus on companies with annual revenue between $25-500 million and will typically be responsible for managing 10-15 credit-based relationships with average loan outstandings of approximately $100 million plus other non-credit relationships, and generating annual incremental fee income of at $500,000 per year.
 The RM must be highly experienced in credit matters, able to read, interpret, and understand financial statements and credit issues quickly, and capable of strategic thinking to add value to a diverse set of companies within the portfolio.  The RM will need to be able to both delegate and work closely and effectively with the Portfolio Management team to proactively serve the needs of the clients, while expanding the relationships and growing the overall portfolio.
 

Qualifications

A Bachelor’s degree or higher and a minimum of  six years of relevant industry experience. Must exhibit a history of competency and success in soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings, including complex transactions. Must be able to handle difficult and sensitive client relationships and capable of handling tough negotiations, both to win the deal and to legally document the transaction. Should be an Independent thinker and self-starter with strong sales skills and excellent credit skills.
 Highly skilled in financial modeling and able to appropriately structure credit in a modeling environment.   Must be able to independently assess business risk, taking into consideration capital structures and industry nuances as applicable.    
 Capable of actively planning, organizing  and managing a deal team, consisting of applicable product partners, to determine value-added approaches to clients and potential clients.   Will require highly developed communication skills and the ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.  Must be enthusiastic, resilient, and energetic.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385659]]> Tue, 17 Apr 2012 16:00:00 GMT 2362888-Chicago-Lending
Senior relationship manager responsible for soliciting and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured.  Cross-sells bank services.  Incumbents typically handle the most complex accounts, sensitive client relationships, difficult negotiations, and credit assessments on an independent basis.  Conducts customer meetings and interviews.  Provides analytical guidance to credit analysts and/or portfolio managers as client's credit worthiness is evaluated.  Recommends structure and terms for credit approval on loans requiring a high level of lending experience.  Position is typically held by an individual contributor with aggressive sales goals.
 

Qualifications

Typically requires a Bachelor's degree or equivalent
 8-10+ years of related commercial experience
 Exceptional business development and credit quality results
 In-depth understanding of bank products and credit guidelines
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385493]]> Mon, 16 Apr 2012 16:00:00 GMT 2359839-Cleveland-Lending
Senior relationship manager responsible for soliciting and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured.  Cross-sells bank services.  Incumbents typically handle the most complex accounts, sensitive client relationships, difficult negotiations, and credit assessments on an independent basis.  Conducts customer meetings and interviews.  Provides analytical guidance to credit analysts and/or portfolio managers as client's credit worthiness is evaluated.  Recommends structure and terms for credit approval on loans requiring a high level of lending experience.  Position is typically held by an individual contributor with aggressive sales goals.
 

Qualifications

Typically requires a Bachelor's degree or equivalent.  8-10+ years of related commercial experience.  Exceptional business development and credit quality results.  In-depth understanding of bank products and credit guidelines.  
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385421]]> Sun, 15 Apr 2012 16:00:00 GMT 2355510-Delaware-Lending
A critical member of the Commercial Banking Line of Business and client relationship team with extensive Commercial loan experience with the moderately complex deal structures and Client relationships. Incumbent is accountable for managing a portfolio of commercial clients and client retention. Daily responsibilities include, applying and enforcing risk mitigation controls, maintaining a high level of data stewardship, adhering to Bank policies, procedures and federal regulations as applicable, while providing exceptional service to commercial clients. Perform a qualitative review, assessment and interpretation of internal and external legal documentation for adherence to Bank policies, procedures and federal regulations to mitigate operational, documentation, reputation risk as appropriate. Initiates action to remediate any inaccuracies or exceptions prior to loan closing.  Exercises independent judgment and decision making to resolve moderately complex client issues. Effectively escalate and engage Relationship Manager and/or CBCS Team Leader of issues as appropriate.Perform post-closing audit of loan closing package for completeness and accuracy.
 

Qualifications

Bachelor preferred, High School or GED required years Commercial loan administration or lending environment and Operational and client service experience
Broad and thorough understanding of Commercial Credit Policy, Federal regulations, loan documentation terms and conditions including Credit Agreements, Notes, Guarantees and collateral requirements and is qualified to close highly complex loans and products independently.
Ability to identify and manage the risk, minimizing the outcome and escalating where appropriate; and to drive increased process improvement resulting in superior customer experience.
Highly skilled in review of credit and legal documentation to accurately interpret loan structure terms and provisions for compliance to bank and regulatory policy and accurate translation to Bank’s system of record to prevent negative impact to Client and/or Bank.
Must be capable of multi-tasking and prioritizing in a time sensitive environment while maintaining a high level of accuracy.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385520]]> Thu, 12 Apr 2012 16:00:00 GMT 2348235-Boston-Lending
Working in a team environment, the candidate will analyze, underwrite and present credit recommendations on commercial loan requests and/or modifications.  Analyses will include in-depth review of both project and sponsor financial statements, tax returns and relevant credit information.  Preparation of underwriting documents will also include collateral analysis on multiple asset classes, preparation of pricing and risk rating models, and completion of the credit proposal summary in accordance with Citizens Financial Group policy.  The position will be responsible for system and spreadsheet tracking of loan covenant compliance, financial ticklers, and also spreading all the F/S.  Must keep relationship managers readily informed of issues or developments.  The position will also include interaction with Bank clients and prospects.  Tracking of doc exceptions, past dues and PD changes, field exams and covenant exceptions.   Calculate and review the Borrowing Base and prepare and distribute monthly exceptions report.    Pull reports from internal system, prepare compliance check lists, run compliance reports and consolidate data.  Ensure data integrity and verify loan booking packages.   Continuously monitor and coordinate information for Credit Review.   File reports, and resolve all issues in a timely and efficient manner. 
 

Qualifications

Bachelor's Degree in Business, Finance, Accounting or Economics preferred.  MBA/CPA/CFA a plus.
Successful completion of formal credit training preferred.
Experience with Commercial modeling and risk measurement preferred.
Excellent PC skills in Excel and Microsoft Word.
Ability to coordinate multiple projects and satisfy strict deadlines.
Excellent verbal and written communication skills required.
Strong organizational and time management skills required.
Ability to prioritize, multitask, and be a self-starter.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of Citizens Bank of Pennsylvania to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385290]]> Wed, 11 Apr 2012 16:00:00 GMT 2348209-Pittsburgh-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.


Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: NY, PA, DE, and NJ.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380973]]> Tue, 10 Apr 2012 16:00:00 GMT 1856012-New-York-State-Sales-and-Service
This position reports to the Regional Team Manager who reports to the Underwriting Group Manager. 
Underwrite pre underwritten conventional first mortgages prepared by a Junior Underwriter.
Underwriting complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans.
Utilize your knowledge and experience to serve as an advisor for junior members of the department.
ensuring material information captured in the automated underwriting system is accurate at time of review.
proactively suggesting program alternatives for customers who do not qualify for terms initially submitted.
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested.
assist the Group Team Manager when necessary and provide training when required.
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process.
Provide exceptional customer service in all written and verbal communications to both internal and external customers.
General Supervision:  Incumbent develops procedures for performance of a variety of duties or performs complex duties within established policy guidelines; responsible for a defined set of assignments, e.g., all financial activities for the department; is expected to determine and create necessary procedures to set priorities and meet specific goals and objectives of the function or unit.  (Typically pertains to advanced technical, senior professional, unit supervisor).
Interact with internal and external clients including Loan Officers, operations managers, processors, quality and risk personnel.
This is a loan decisioning position with significant financial and risk impact to the business. 
 

Qualifications

High School or Equivalent (GED) - Required.
Certification or Licensure, other Education or Training - Preferred.
Mortgage and equity industry experience.
Extensive knowledge of underwriting guidelines.
Extensive knowledge of Government products and guidelines.
Detail and organizational skills.
Customer service skills.
Excellent written and verbal communication skills.
8 years of Mortgage/equity underwriting experience in another lending institution.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385382]]> Tue, 10 Apr 2012 16:00:00 GMT 2343531-Providence-Sales-and-Service
Member of the Pricing and Structuring Group based in Boston/Warwick supporting RBSAF colleagues involved with direct and indirect origination,  and syndication of Asset Finance products.
Primary responsibilities for this position are the overall technical and administrative support of originated structured lease and debt products and the documentation and funding of awarded transactions within the RBSAF client group.



Through pricing and deal execution support the Associate provides timely quantitative analysis across a wide array of asset finance products.

At the initial stage of a transaction bid, the position is relied upon to analyze various approaches to meet the financing needs of the customer, and to review with National Pricing Manager and Sales the viable courses of action to pursue.

Works closely with National Pricing Manager to support the pricing and structuring needs of sales executives within RBSAF and to verify the accuracy of pricing done in the field.

Maintains current version of all bid pricing, and tracks  progressive economics in rebid situations

Develops materials for quantitative presentations to RBSAF clients, as requested by sales executives and coordinated by National Pricing Manager.

Internally the Associate is responsible for the timely and accurate development of pricing for all transactions prior to funding and for the accurate and timely hand-off to RBSAF colleagues in the Legal, Documentation, and Finance areas.

Prepares as requested data collections such as current exposure profile for further input into Raroc model and other ad hoc economic reports.

Coordinates with RBSAF Credit for the onboarding of information into the Raroc model.

Prepares for review the monthly submittal of transactions requiring residual value insurance.

Provides accurate pricing information on awarded transactions to RBSAF Syndicators and validates pricing information sent to investors.

Provides market research data as requested on ad hoc basis and researches corporate  bond comps prior to Transaction Review Committee

 

Qualifications

Undergraduate degree in Corporate Finance. Graduate level degree or equivalent leasing industry experience preferred

Working familiarity with  the tax and accounting constraints affecting the offering of lease and loan products

Proficiency with Supertrump and/or ABC lease/loan  pricing software.

Proficiency with MS Excel and all  pertinent analytical and quantitative models.


Proficiency with MS Word/Powerpoint


Proficiency with Bloomberg data extraction


Working knowledge of the data requirements of back office transaction booking systems


Working knowledge of corporate finance concepts, pertinent tax and accounting regulations,  and capital markets.

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Asset Finance, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385007]]> Mon, 09 Apr 2012 16:00:00 GMT 2343537-Boston-Lending
Manages a team of Relationship Managers, focusing on growing existing portfolio and acquiring new customer relationships with clients from $5MM - $25MM in sales. Results oriented sales leader that can effectively coach and develop Relationship Managers to exceed sales objectives.  Effectively work with business partners to generate sales activities and referrals. Provide coaching with respect to underwriting, structuring, risk mitigation, and compliance.
Provides overall leadership and strategic direction for Commercial Enterprise Banking related activities within New York including sales & service, operations, expense/budget controls, human resource management and community leadership.
 **Please note this position is available White Plains, Rochester or Albany market area**
 

Qualifications

BS Degree- Business or related (MBA preferred)
10+ preferred years experience within banking and financial services
Leadership Experience Preferred managing a team of risk management or technical professionals
5+ Years Portfolio Management/Credit Experience driving growth and managing risk within an existing portfolio
3+ years Sales Management Experience
5+ years Credit Experience
Strong Credit analytical skills
Credit bureau and reporting agency acumen
Underwriting and customer management strategies for Consumer and/or Small Business portfolios
Exceptional, coaching, training and negotiating skills.
Experience with development of decision support system capabilities
Demonstrated knowledge of MS Office applications, including Word, Excel, and PowerPoint.
Demonstrated presentation skills
Excellent influencing, consulting, organizational and leadership skills
Excellent interpersonal and verbal, written and presentation communication skills
Project Management experience desirable
Ability to influence and maneuver through appropriate formal and informal organization channels
Ability to constructively manage and handle conflict
PC proficiency

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

385291]]> Sun, 08 Apr 2012 16:00:00 GMT 2335239-New-York-State-Sales-and-Service
Responsible for underwriting complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans.  This is a loan decisioning position with significant financial and risk impact to the business. 
Underwrite pre underwritten conventional first mortgages prepared by a Junior Underwriter
Underwrite complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans
Utilize your knowledge and experience to serve as an advisor for junior members of the department
Ensure material information captured in the automated underwriting system is accurate at time of review
Proactively suggest program alternatives for customers who do not qualify for terms initially submitted
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making
Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested
Assist the Group Team Manager when necessary and provide training when required.
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process
Provide exceptional customer service in all written and verbal communications to both internal and external customers
 

Qualifications

High School or Equivalent (GED) required, Certification, Licensure or other education / training preferred
Mortgage and equity industry experience
Extensive knowledge of underwriting guidelines
Extensive knowledge of Government products and guidelines
Detail and organizational skills
Customer service skills
Excellent written and verbal communication skills
Direct Endorsement Certification Required
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385172]]> Wed, 04 Apr 2012 16:00:00 GMT 2329690-Richmond-Sales-and-Service
General Supervision:  Incumbent develops procedures for performance of a variety of duties or performs complex duties within established policy guidelines; responsible for a defined set of assignments, e.g., all financial activities for the department; is expected to determine and create necessary procedures to set priorities and meet specific goals and objectives of the function or unit.  (Typically pertains to advanced technical, senior professional, unit supervisor)
 

Qualifications

 





Skills/ Competencies:   Indicate the minimum skills required to competently perform the duties of this job.  Please note:  This will be included in future job postings and be used to screen applicants.




Time management and ability to meet deadlines is critical to this position. Attention to detail and organizational skills required. Ability to work in a fast pace environment with the ability to multitask; ability to prioritize and meet deadlines in a high volume area. Ability to follow directions.  Work well independently. Advanced typing skills and strong computer skills. Ability to work well in a team environment




 





Work Experience:   Identify the minimum related experience required to competently perform the duties of this job.  Please note:  This will be utilized be included in future job postings and be used to screen applicants.




 

 

 




Mortgage or equity loan closing


 

Knowledge of loan documentation related to closings, experience working with various branches and settlement agents, familiar with lending guidelines




Ability to work in a high volume, fast paced environment


 

Ability to produce under pressure, multi task and prioritize in a sometimes stressful environment, proven ability to meet and exceed set goals




Customer Service


 

Experience in oral and written communication with internal and external customers, ability to provide outstanding customer service




Proficient PC Skills     


 

Outlook, Microsoft




 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384989]]> Tue, 03 Apr 2012 16:00:00 GMT 2325375-Cincinnati-Lending
Responsible for underwriting complete product offerings for the business unit.  For mortgage underwriting this includes automated and manual portfolio products, Jumbo loans, Construction-to-Perm and Tandem products.  For home equity underwriting this includes the larger dollar size and more complex home equity applications.  This position has lending authority between $500,000 - $750,000.
The Underwriter II reports to the Regional Team Manager, who reports to the Underwriting Group Manager.
Responsible for mortgage underwriting this includes automated and manual portfolio products, Jumbo loans, and Construction-to-Perm and Tandem products.  For home equity underwriting this includes the larger dollar size and more complex home equity applications.
Ensure material information captured in the application and passed through to the automated underwriting system is accurate at time of review.
Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested.
Comprehensive knowledge of all income sources, including the ability to interpret personal and business income tax returns .
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process.
Provide exceptional customer service in all written and verbal communications to both internal and external customers.
 

Qualifications

High School or Equivalent (GED) required; Bachelor or Master's degree preferred.

Mortgage and equity industry experience

Knowledge of underwriting guidelines

Detail and organizational skills

Customer service skills

Excellent written and verbal communication skills

4 years - Mortgage and equity underwriting experience in a lending institution.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
384919]]> Tue, 03 Apr 2012 16:00:00 GMT 2325382-Richmond-Sales-and-Service
Receive and review repurchases requests to determine the ability to rebut findings cited by investors by researching circumstances, re-underwriting loans, disputing claims, rectifying or clarifying guidelines and locating missing documentation. 

Classify repurchase issues in accordance within departments repurchase reason classification system.

Identify repurchase trends and coordinates efforts with affected areas to mitigate future repurchase risks

Responsible for maintaining and updating an access database with all repurchase activity on a loan level basis as well as generating and distributing monthly reporting

Act as the underwriting contact with investors for all repurchase related issues and actively participate in meetings with investors to discuss any repurchase claims as needed.

Review and provide written responses to HUD/VA post endorsement audits requests in accordance with FHA/VA guidelines

Research any FHA/VA issues that arise and identify trends and root causes to assist in mitigating future risks.

Provide underwriting support to loan securitization process regarding errors with delivery data as compared to data in the Automated Underwriting System. 

Provide quality control support to the Post Closing and Loan Delivery Departments by conducting monthly and quarterly internal audits.

Assist as needed with the review and submission of repurchase files to investors

 

Qualifications

3 to 5 years of underwriting or quality control experience with in-depth knowledge of FNMA guidelines and Desktop Underwriter

Knowledge of FHA and VA guidelines

Manages time well

Ability to multi-task

Excellent customer service skills

Excellent organizational and communication skills

Demonstrate accuracy and thoroughness and extreme attention to detail

Able to adapt to changes or unexpected events

Excellent decision making and supporting evidence skill set

Strong negotiation skills

Working knowledge of all standard Windows and Microsoft Office software

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385108]]> Mon, 02 Apr 2012 16:00:00 GMT 2321382-Richmond-Lending
Provide RBS Citizens Healthcare business unit,  corporate finance, equity valuation, relative value analysis, comparable analysis, syndication and distribution support for senior debt financings, as well as, full capital structure analysis including second lien, mezzanine debt and debt capacity analysis, Advise client teams on appropriate capital structure, coordinate with syndication and capital markets professionals on execution strategies and mobilize the necessary RBS and Citizens resources against those client opportunities. Qualify new banking opportunities collaboratively with capital markets, credit underwriting and relationship teams. Participate in portfolio reviews, responding to pre-screen memos and in the ordinary course.   Establish presentation time lines, coordinate and mobilize internal capital market resources and develop pitch concepts.   In effect, partner with CFG capital markets and syndication professionals, and RBS Securities Inc to design optimal capital structure execution strategies.  Architect pitch idea presentations and oversee creation of same by junior staff.  Establish and cultivate healthcare and financial sponsor relationships.   Prepare and manage analysts & associates in the preparation of offering materials to potential investors.  Negotiate critical structural elements with client and investors. Manage distribution process to successful closing of transaction.  Liaise with risk management to ensure that appropriate credit and market risks are identified and addressed. Maintain effective license to operate by sustaining a high level of trust and confidence by senior line and risk management.  Manage pool of analysts and associates to include efficiency of their work flows, prioritization of assignments, guidance and coaching on financial modeling and comparable deal analysis.  Ensure analyst and associate work is done timely and accurately.
 

Qualifications

Minimum 10 years experience in Mid Corporate/Middle Market, healthcare leveraged finance preferably with a top 5 ranked institution. 
Additionally, the candidate must have experience working in investment banking; have a thorough knowledge of corporate finance and valuation experience
Proven track record in transactions involving Senior Debt, Mezzanine Debt, Second Lien loans, securitizations, Equity Placements, M&A and Interest Rate Derivative Products Master’s degree or equivalent experience  
Series 7 & 63 licenses
Demonstrated burning desire to succeed and drive business
Effective communications and influencing skills
Strong credit acumen
Minimum 10 years experience in Mid Corporate/Middle Market, healthcare leveraged finance preferably with a top 5 ranked institution
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384392]]> Sun, 01 Apr 2012 16:00:00 GMT 2317472-Stamford-Finance
Manages the commercial loan and cross-selling activity for a team(s) within a sector, industry or geographic region.  Establishes and executes the strategy to achieve team's loan growth, sales, credit quality, and customer service goals and objectives.  Monitors and reports on team progress, including outstanding loans. Makes decisions on loans within approval limits and credit process. Provides guidance and coaching to team members.  Incumbents usually handle the most complex accounts and sensitive client relationships, and are trusted to make difficult credit decisions independently.
 

Qualifications

Typically requires a Bachelor's degree or equivalent.
8-10+ years of related commercial experience.
Prior supervisory experience and/or equivalent training necessary
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384884]]> Tue, 27 Mar 2012 16:00:00 GMT 2305712-Framingham-Lending
The Portfolio Manager  position is responsible for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and client support for an assigned portfolio of existing credits and prospects primarily of moderate to medium complexity, with some having higher complexity.
Portfolio Manager is responsible for ensuring overall portfolio performance and asset quality remains strong and when necessary surfaces issues, proposes and collaborates with others on strategies and actions to limit risk and loss to the Bank.
Portfolio Manager  is responsible for monitoring the performance of existing borrowers within assigned portfolio and ensuring compliance with financial covenants.
Portfolio Manager  will assist the Relationship Manager in structuring more advanced credit transactions, developing proposal letters, TOSs, term sheets and commitment letters.  They will take the lead on the internal credit process for obtaining approvals of credit proposals.
Portfolio Manager  will perform the functions of the position with only periodic oversight and is expected to perform with minimal supervisory intervention.
 

Qualifications

10-15  years of experience and exhibited competency in financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.  Prior portfolio management experience to include proposing credit and covenant structures and documenting loans.  Commercial Real Estate experience –debt, equity or development –experience is preferred.  Equivalent work experience may be considered as alternative to formal degree program completion.
Capable of interpreting and detecting issues with property, guarantor and sponsor financial performance and can put them into the context of the client’s history articulating possible impacts of such changes to the risk profile of the credit.
Independently applies the conditions of credit decision to the different types of credits contained within the portfolio to ensure that all monitoring and tracking requirements are met and that all documentation is up-to-date per policy.
Ensures loan agreement is in accordance with approval documents.  Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with RM.  Key voice with the interaction of the client in closing transactions.
Manages compliance and control routines related to the credits contained in the assigned portfolio.
Displays strong verbal and written communications and interpersonal skills.
Independently follows up with borrowers to address missing financial information or to resolve covenant violations on a timely basis.
Displays ability to engage with customers directly and may accompany RM on client visits or attend client meetings.
Displays competency with critical and analytical thinking and is able to identify connections between issues and actions needed to resolve issues for credits contained within the portfolio to ensure continued compliance with credit and risk policies and practices.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384842]]> Tue, 27 Mar 2012 16:00:00 GMT 2305675-Boston-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384772]]> Mon, 26 Mar 2012 16:00:00 GMT 2299091-New-York-State-Sales-and-Service
Provide product/pricing support to Production personnel within the company with an emphasis on customer service. Responsible for the daily preparation and distribution of Retail Mortgage Rates as well as Online Rates. Ensure accuracy of Secondary Marketing Position Reports by managing the locked pipeline which includes but is not limited to reconciliation, research and resolution of discrepancies as pertains to daily pipeline reports.

Qualifications

Bachelor Degree, and/or equivalent mortgage industry related experience. A minimum of 2 years experience in Secondary Marketing recommended. Effective verbal, written and interpersonal communication; Math aptitude, PC skills (Excel and Access), typing, and attention to detail.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
384664]]> Tue, 20 Mar 2012 16:00:00 GMT 2283999-Richmond-Lending
Manage credit process for the Private Bank. Responsibilities include RAAC development for product types, oversight of policies and procedures for lending actitvities, underwriting and approving loans within credit authority, and working with Central Credit Group to obtain authority for loans above individual credit limit. 
 

Qualifications

10-15 years direct lending experience, with knowledge and experience in the Private Bank lending space
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384589]]> Mon, 19 Mar 2012 16:00:00 GMT 2280251-Massachusetts-Sales-and-Service
Working in a team environment, the candidate will analyze, underwrite and present credit recommendations on commercial loan requests and/or modifications.  Analyses will include in-depth review of financial statements, tax returns and relevant credit information.  Preparation of underwriting documents will also include collateral analysis on multiple asset classes, preparation of pricing and risk rating models, and completion of the credit proposal summary in accordance with Citizens Financial Group policy.  The position will be responsible for system and spreadsheet tracking of loan covenant compliance, financial ticklers, and also spreading all the F/S.  Must keep relationship managers readily informed of issues or developments.  The position may also include interaction with Bank clients and prospects.  Tracking of doc exceptions, past dues and PD changes, field exams, Borrowing Base reports and covenant exceptions.   Pull reports from internal system, prepare compliance check lists and assist in remediating compliance exceptions.  Ensure data integrity and verify loan booking packages.   Continuously monitor and coordinate information for Credit Review.   File reports, and resolve all issues in a timely and efficient manner. 
 

Qualifications

Bachelor's Degree in Business, Finance, or Economics preferred.
Successful completion of formal credit training preferred.
Experience with Commercial and Not-for-Profit modeling and risk measurement preferred.
Excellent PC skills in Excel and Microsoft Word.
Ability to coordinate multiple projects and satisfy strict deadlines.
Excellent verbal and written communication skills required.
Strong organizational and time management skills required.
Ability to prioritize, multitask, and be a self-starter.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384560]]> Wed, 14 Mar 2012 16:00:00 GMT 2270041-Chicago-Lending
Marketing to Mid-Corp clients and prospects; Marketing to sports leagues and franchises; some travel is required. Maintain existing relationships with Mid-Corp clients and generate new business opportunities with existing and prospective clients through an active calling program to include direct calling as well as calls on referral sources/centers of influence and investment banks. Maintain current knowledge of debt capital market trends and products by working with RBS counterparts. Maintain product knowledge in traditional categories including cash management, international and derivatives.  Work closely with portfolio managers on the team to clearly identify and monitor risk profile movements in specific companies and the portfolio in general.  Participate in presentations to credit committee.
 

Qualifications

  Bachelor’s Degree in business, economics, finance or accounting or equivalent work experience.


10+ years of successful commercial lending experience with relevant institution; sports lending experience, commercial bank or investment bank.  


Successful completion of a formal commercial credit training program.


Existing knowledge of assigned marketplace is a strong plus.


Advanced analytical, loan structuring, underwriting, documentation, credit, and administrative skills.


Proficiency in PC applications.


Excellent verbal and written communication skills.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383802]]> Wed, 14 Mar 2012 16:00:00 GMT 2270045-New-York-State-Lending
The Ops Supervisor II provides oversight and monitoring of the workflow of a group. Oversees and supports the day-to-day department production activities which include cross training, control, and audit activities, production, and quality control.  Facilitates departmental workflow, ensures that work is properly safeguarded and controlled in accordance with banking policies and procedures.  Provides guidance, training and leadership to team/multiple teams.

Ensures work adheres to regulations and ensures compliance to CFG policies, departmental policies, risk avoidance standards and SLAs. Track and report key department metrics. Requires a detailed working knowledge of the department functions and systems supporting those functions to resolve more complex problems encountered by the staff and make non-routine decisions. Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs.  May manage small projects requiring coordination with other teams and may perform other such duties as assigned.

Leadership Accountabilities: 


Business Management & Planning: Be aware and understand the business objectives and how this relates to the role. Oversee and support the day-to-day department production activities.

Process/Continuous Improvement: To contribute to the improvement of the customer experience.  To encourage and respond to process improvement ideas from team members.

Customer Service: Be a role model to drive a customer service values.

Risk Management: Will Identify, minimize, and escalate risk where appropriate.

Team Leadership: Will ensure team members have a clear idea of what is expected of them and to what standard.

Recruitment & Induction: To assist in the on boarding of new team members so that they can be effective in their new role as quickly as possible.

Team Development: Will actively participate in supporting and training team members to achieve individual and department goals.

Performance Management: Will provide input in the performance review process, assist team members in achieving the objectives and targets linked to the business goals and ensure appropriate behaviors are demonstrated ("what" is expected and "how" they are expected to achieve objectives).
 

Qualifications

Solid interpersonal and communication skills


Solid organization skills


Solid ability to multi-task and to function efficiently in a high volume, fast paced deadline oriented environment.


Strong PC skills


Intermediate knowledge MS Excel


Intermediate knowledge PowerPoint/Visio


Intermediate knowledge of MS Word


Solid time management skills


Sound written and verbal skills


Solid professional customer service orientation


Ability to support others through development and coaching


Advanced problem solving skills and analytical skills


Strong understanding of the compliance/regulatory environment


Associate Degree required


3 + years Operations experience, 1+ years supervising people, managing workflow process
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382154]]> Tue, 13 Mar 2012 16:00:00 GMT 2042596-Providence-Lending
The Portfolio Manager (PM) position in Technology Banking is a multi-faceted role responsible for both the management of an existing portfolio of loans and the underwriting of new loans.  PMs provide primary client management support for an assigned portfolio of loans and may assist in directing less experienced portfolio managers or credit analysts.  The role supports Relationship Managers in all aspects of servicing customers and converting prospects including: routine and special servicing matters, assisting with customer presentations, and managing research and marketing material for client prospecting.  PM typically accompanies Relationship Manager when servicing clients and seeks opportunities to cross-sell additional financial products.
 The role requires the following skills: 1) strong credit acumen; 2) excellent communication skills; 3) strong business writing skills; 4) experience managing client interaction; 5) due diligence analysis; 6) understanding of bank regulation and compliance; 7) ability to work well with internal and external clients; and, 8) high level of initiative and capability to work independently on financings and other responsibilities.  PMs will need to interact with customers independently to address non-routine client servicing matters in addition to risk related items.  Candidates must have excellent computer, excel modeling, and powerpoint skills.  Position requires experience with Bloomberg, Capital IQ, public SEC filings, rating agency reports, and equity research reports for industry and comparable analysis.  
 The position will require constant interaction with business line managers, product partners, credit risk management, and colleagues throughout RBS Citizens, its parent, and subsidiaries. Daily responsibilities include: preparation of credit approvals for amendments and new loan opportunities, loan modifications, annual reviews, quarterly reviews, earnings calls, ad-hoc credit risk management requests, client presentations, compliance reporting, reviewing and negotiating loan agreement documents, loan closing and funding, and attending customer meetings.
 We are looking for Portfolio Manager/Underwriters with leveraged finance skills and prior experience underwriting Lead Arranger and Club transactions.  Portfolio Managers will be directly involved in establishing underwriting due diligence, identifying key transaction risks and mitigating factors, and documenting the loan documents following credit approval.  Prior experience in the Technology lending industry is a plus.
 

Qualifications

Bachelor’s Degree in Business, Finance, Accounting, Economics, or equivalent work experience
10+ years experience in portfolio management and underwriting in commercial lending at a relevant financial institution, commercial or investment bank
Successful completion of a formal credit training program
Existing knowledge of assigned marketplace a strong plus
Advanced analytical, loan structuring, underwriting, documentation, credit, presentation, and organization skills
Strong PC Proficiency and Microsoft Office applications
Excellent verbal and written communication skills
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384117]]> Mon, 12 Mar 2012 16:00:00 GMT 2259010-Stamford-Sales-and-Service
Provide corporate finance, equity valuation, relative value analysis, comparable analysis, syndication and distribution support for senior debt financings, as well as, full capital structure analysis including second lien, mezzanine debt and debt capacity analysis, Advise client teams on appropriate capital structure, coordinate with syndication and capital markets professionals on execution strategies and mobilize the necessary RBS and Citizens resources against those client opportunities. Qualify new banking opportunities collaboratively with capital markets, credit underwriting and relationship teams. Participate in portfolio reviews, responding to pre-screen memos and in the ordinary course.   Establish presentation time lines, coordinate and mobilize internal capital market resources and develop pitch concepts.   Partner with CFG capital markets and syndication professionals, and RBS Securities Inc to design optimal capital structure execution strategies.  Architect pitch idea presentations and oversee creation of same by junior staff.    Liaise with risk management to ensure that appropriate credit and market risks are identified and addressed. Maintain effective license to operate by sustaining a high level of trust and confidence by senior line and risk management. 
Role will require Travel
 

Qualifications

Minimum 10 years experience in Mid Corporate/Middle Market in leveraged finance preferably with a top 5 ranked institution. 
The candidate should have experience working with investment banking; have a thorough knowledge of corporate finance and valuation experience
Proven track record in transactions involving Senior Debt, Mezzanine Debt, Second Lien loans, securitizations, Equity Placements, M&A and Interest Rate Derivative Products Master’s degree or equivalent experience  
Demonstrated desire to succeed and drive business
Effective communications and influencing skills
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384330]]> Mon, 12 Mar 2012 16:00:00 GMT 2259014-Boston-Finance
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

384484]]> Sun, 11 Mar 2012 16:00:00 GMT 2256297-Hartford-Sales-and-Service
Provides primary client management support for assigned portfolio of loans with a minimal level of supervision.  Supports the Relationship Managers in all aspects of servicing customers.  Interacts with customers to address routine servicing matters or other risk related issues.  Manages the existing portfolio of customers through analysis of financial and collateral information to ensure that customers maintain an acceptable risk profile.  May accompany Relationship Manager when servicing clients.
 

Qualifications

Bachelor's degree or equivalent; Completion of a credit training program preferred. 
4-6+ years of related commercial experience.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383952]]> Wed, 22 Feb 2012 14:00:00 GMT 2198551-Hartford-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.This position can be hired in the following states: MA,NH, VT, CT, RI.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

381828]]> Wed, 22 Feb 2012 14:00:00 GMT 1974251-Hartford-Sales-and-Service
Generate mortgage applications for CCO Mortgage. Meet sales goals and objectives. Call on existing and potential customers in order to retain existing accounts, as well as develop new accounts.  Interview applicants to develop information regarding their product needs and determine appropriate product, terms, and pricing.
 

Qualifications

4+ years of residential mortgage sales experience.


Minimum $12M in annual closed loan volume.


Referral network required.


Excellent written skills.


Excellent organizational and communication skills required.


Outstanding interpersonal skills.


Bachelor degree preferred.
 

Hours and Work Schedule

Hours per week: 40


Work Schedule: Monday - Friday 8:00AM - 5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380868]]> Tue, 21 Feb 2012 14:00:00 GMT 1856016-Chicago-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: IL, MI, and OH.

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383818]]> Thu, 16 Feb 2012 14:00:00 GMT 2180990-Ohio-Sales-and-Service
 Serve as a visible market leader and presence in the Private Equity (“PE”) finance community, bringing long and deep relationships with PE firms. 
- Raise the stature of RBSC in the PE finance market and contribute to the establishment of the Sponsor Finance business.


- Lead the relationship initiation and relationship expansion activities focusing on PE firms in a designated market for the purpose of primarily leading, and as necessary, participating in new and existing portfolio company financings. 
- Ensure RBSC becomes a preferred partner for targeted PE firms.


- As a player/ coach, the candidate would share wisdom and knowledge across the team, focused on helping build the business.  The candidate would help recruit other SF professionals to the group.


- Establish and execute a sales and service strategy, within the PE marketplace, to achieve the Group’s transactional and revenue growth, relationship expansion, credit quality, and customer service goals and objectives.


- Present quality idea generating proposals to the PE client and prospect base and follow up as required. 
- Negotiate critical financing structural elements with client.  Interact with risk/portfolio management to ensure that appropriate credit and market risks are Identified and addressed.


- Demonstrate good credit judgment.
- Interact well with key product partners, especially Capital Markets.
- Maintain effective license to operate by sustaining a high level of trust and confidence by senior line and risk management.
 

Qualifications

10-15 years of leveraged finance experience, primarily transacted with PE firms. Experience in the PE middle market environment strongly preferred.

Proven expertise and exposure to Senior Debt, Mezzanine Debt, Second Lien Loans, securitizations, Equity Placements, and Interest Rate Derivative Products.

Demonstrated ability to originate and expand PE relationships.

Established business network.

Demonstrated market leadership.

Demonstrated desire to succeed and drive business.

Effective communications and influencing skills.

Strong credit acumen and superior market knowledge.

Reputation as a team player.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383583]]> Tue, 14 Feb 2012 14:00:00 GMT 2175664-Chicago-Lending
 Serve as a visible market leader and presence in the Private Equity (“PE”) finance community, bringing long and deep relationships with PE firms. 
- Raise the stature of RBSC in the PE finance market and contribute to the establishment of the Sponsor Finance business.


- Lead the relationship initiation and relationship expansion activities focusing on PE firms in a designated market for the purpose of primarily leading, and as necessary, participating in new and existing portfolio company financings. 
- Ensure RBSC becomes a preferred partner for targeted PE firms.


- As a player/ coach, the candidate would share wisdom and knowledge across the team, focused on helping build the business.  The candidate would help recruit other SF professionals to the group.


- Establish and execute a sales and service strategy, within the PE marketplace, to achieve the Group’s transactional and revenue growth, relationship expansion, credit quality, and customer service goals and objectives.


- Present quality idea generating proposals to the PE client and prospect base and follow up as required. 
- Negotiate critical financing structural elements with client.  Interact with risk/portfolio management to ensure that appropriate credit and market risks are Identified and addressed.


- Demonstrate good credit judgment.
- Interact well with key product partners, especially Capital Markets.
- Maintain effective license to operate by sustaining a high level of trust and confidence by senior line and risk management.
 

Qualifications

10-15 years of leveraged finance experience, primarily transacted with PE firms. Experience in the PE middle market environment strongly preferred.

Proven expertise and exposure to Senior Debt, Mezzanine Debt, Second Lien Loans, securitizations, Equity Placements, and Interest Rate Derivative Products.

Demonstrated ability to originate and expand PE relationships.

Established business network.

Demonstrated market leadership.

Demonstrated desire to succeed and drive business.

Effective communications and influencing skills.

Strong credit acumen and superior market knowledge.

Reputation as a team player.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383584]]> Tue, 14 Feb 2012 14:00:00 GMT 2175661-New-York-State-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383711]]> Mon, 13 Feb 2012 14:00:00 GMT 2171522-Rhode-Island-Sales-and-Service
Maintain active business development efforts in the New York City Metro markets through prospect calling and referral sources.  Forge banking relationships with top tier institutional sponsors.  Market the bank’s credit and non-credit products to prospective and existing clients.  Manage the approval process of credits within the bank’s policies, procedures and designated authorities.  Present credit offerings to senior management for approval with ability clearly convey the strengths and risks of the underlying transaction and to represent strong market and product knowledge.
 

Qualifications

The position requires 10+ years of Commercial Real Estate lending experience along with performance management showing the ability to establish, manage and grow a significant customer portfolio.  Experience in underwriting loans to public and private sponsors, in many asset classes is a must.
A 4 year college degree with successful completion of a bank credit training program is preferred.  An MBA is helpful but not required. 
Excellent communication and interpersonal skills along with a proven ability to develop meaningful business relationships.
Strong sales and computer skills for write-ups and financial analysis.  Ability to report and track results.
 Ability to multi-task and work independently is important.
 Established relationships within target market.
  

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383330]]> Tue, 07 Feb 2012 14:00:00 GMT 2158826-New-York-State-Lending
Responsible for certain elements of HLS Strategy as it relates to the management and development of strategic programs and products (both mortgage and equity) needed to meet the company’s growth objectives and risk profile.

Evaluate competitive needs based on sales input while balancing risk appetite for portfolio or private investors as applicable and assist in determining profitability and incremental volume impact.  Leverage strategic thinking and business growth needs to identify unique but sound opportunities in products and programs.  Manage recurrent competitor surveys to monitor the competition.

Identify and evaluate emerging market trends in residential lending and staying abreast of industry opportunities to improve the customer experience and competitive landscape for HLS and the bank.  This includes programs that augment cross sell opportunities and identifying customer segments that align with bank growth and profitability within risk model.

Monitor private investor market for program offerings, features, products and credit policy gaps particularly related to wealth/jumbo and first time homebuyer segments.  Participate in cross-collaboration with Capital Markets, Credit Risk, Treasury, Finance and HLS Senior Leadership on periodic strategic analysis of loan sales/purchase opportunities as identified or directed.

Focus on broad secondary market impacts to the business including operating changes (such as from Dodd-Frank), and regulatory landscape that could impact risk appetite.  Monitor existing programs for performance and on-going risk assessment with changing economic conditions and operating model changes.

Lead project management effort to develop new, complex products that require cross-functional teams across organization.  Facilitate engagement of required stakeholders and thorough / timely review to ensure high quality output and reasonable time to market.

Partner with HLS senior management, sales, credit risk and other internal partners to review product development and program initiatives particularly leveraging portfolio opportunities

Lead special projects for the Secondary Marketing department as assigned leveraging the various expertise required that could include a combination of product, operational, marketing, financial and pricing knowledge.

Provide technical product knowledge assistance to marketing in support of product training to loan production and operations staff.

 
  

Qualifications

 Minimum 10 years mortgage banking experience with minimum 5 years secondary market experience with focus on product and project management for mortgage and equity programs, with an emphasis on portfolio program strategic initiatives.  This includes ability to lead multiple and complex new product launches through excellent project management skills.  Must have in-depth subject matter expertise that provides for both the identification of strategic opportunities and the ability to tactically deploy these programs.

Excellent understanding of all risks associated with mortgage and equity functions.  Some knowledge of pricing required with an ability to identify risks and profitability opportunities within products.  Identify market opportunities to maintain or achieve competitiveness for sales force.  Perform research and development, including financial analysis and presentations to executive management to support business case for strategic programs

Product Rule and guideline interpretation and communication experience a must.

Mortgage product experience required, equity product experience preferred.

Mortgage operational background required.  Sales exposure preferred.

Project management is key including process improvement, working with other departments and SMEs to coordinate and implement new products, product changes or special projects.

Superior relationship management and collaboration skills required across multiple business lines and within various departments of Portfolio Optimization/Secondary Marketing.  Must demonstrate resourcefulness in a respectful manner at all times, earning confidence and admiration of colleagues.

Credit policy experience preferred particularly as it relates to augmenting growth without compromising risk in the development of program initiatives.

Ideal candidate must act with a sense of urgency, establishing a clear plan, quickly and effectively gaining agreement in the plan and then leading a cross-functional business team to deliver against the plan.

Ability to advocate and influence senior leaders and support partners to support new program initiatives and product development projects.

Ability to instinctively identify roadblocks and work independently towards resolution.

Manages time well

Strong analytical acumen

Ability to multi-task.

Excellent customer service skills.

Excellent organizational and communication skills.

Demonstrate accuracy and thoroughness

Able to adapt to changes or unexpected events.

Working knowledge of all standard Windows and Microsoft Office software a must. 


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383227]]> Mon, 30 Jan 2012 14:00:00 GMT 2136818-Richmond-Lending
Senior relationship manager responsible for soliciting and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured.  Cross-sells bank services.  Incumbents typically handle the most complex accounts, sensitive client relationships, difficult negotiations, and credit assessments on an independent basis.  Conducts customer meetings and interviews.  Provides analytical guidance to credit analysts and/or portfolio managers as client's credit worthiness is evaluated.  Recommends structure and terms for credit approval on loans requiring a high level of lending experience.  Position is typically held by an individual contributor with aggressive sales goals.
 

Qualifications

Typically requires a Bachelor's degree or equivalent
 8-10+ years of related commercial experience
 Exceptional business development and credit quality results
 In-depth understanding of bank products and credit guidelines
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
383157]]> Tue, 24 Jan 2012 14:00:00 GMT 2124275-Washington-DC-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382998]]> Thu, 19 Jan 2012 14:00:00 GMT 2110039-Work-at-Home-Sales-and-Service
Senior relationship manager responsible for soliciting and servicing a wide variety of commercial loans and lines of credit, both secured and unsecured.  Cross-sells bank services.  Incumbents typically handle the most complex accounts, sensitive client relationships, difficult negotiations, and credit assessments on an independent basis.  Conducts customer meetings and interviews.  Provides analytical guidance to credit analysts and/or portfolio managers as client's credit worthiness is evaluated.  Recommends structure and terms for credit approval on loans requiring a high level of lending experience.  Position is typically held by an individual contributor with aggressive sales goals.
 

Qualifications

Typically requires a Bachelor's degree or equivalent
 8-10+ years of related commercial experience
 Exceptional business development and credit quality results
 In-depth understanding of bank products and credit guidelines
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382905]]> Tue, 17 Jan 2012 14:00:00 GMT 2105850-Hartford-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. This position can be hired in the following states: PA, DE, NJ, and NY.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382667]]> Tue, 03 Jan 2012 14:00:00 GMT 2073720-Pennsylvania-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.


Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: NY, PA, DE, and NJ.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380515]]> Tue, 27 Dec 2011 14:00:00 GMT 1787861-Philadelphia-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

Bachelors degree preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380960]]> Wed, 12 Oct 2011 16:00:00 GMT 1856010-Massachusetts-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380961]]> Wed, 12 Oct 2011 16:00:00 GMT 1856009-Dedham-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a Top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of Realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising customers of appropriate products, terms, pricing and gather any additional required information. It will be necessary to generate complete mortgage applications while ensuring appropriate procedures and policies are followed while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months between $10 and $12 million (minimum) from self-sourced business


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS
 

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday - Friday 8:00AM - 5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
372249]]> Tue, 04 Oct 2011 16:00:00 GMT 1145625-New-York-State-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS
 

Hours and Work Schedule

Hours per week: 40


Work Schedule: Monday - Friday 8:00AM - 5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380843]]> Tue, 04 Oct 2011 16:00:00 GMT 1834851-Detroit-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

Bachelors degree preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.


This position can be hired in the following states: CT, MA, ME, NH and RI.
 

Hours and Work Schedule

Hours per week:  40


Work Schedule:  Monday - Friday  8:00 AM - 5:00 PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380259]]> Mon, 19 Sep 2011 16:00:00 GMT 1765623-Chicopee-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

Bachelors degree preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


This position can be hired in the following states: CT, MA, ME, NH and RI.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380268]]> Sun, 18 Sep 2011 16:00:00 GMT 1762695-New-Hampshire-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

Bachelors degree preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.


This position can be hired in the following states: CT, MA, ME, NH and RI.
 

Hours and Work Schedule

Hours per week:  40


Work Schedule:  Monday - Friday  8:00 AM - 5:00 PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380255]]> Sun, 18 Sep 2011 16:00:00 GMT 1762700-Hyannis-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

Bachelors degree preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.


This position can be hired in the following states: CT, MA, ME, NH and RI.
 

Hours and Work Schedule

Hours per week:  40


Work Schedule:  Monday - Friday  8:00 AM - 5:00 PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380266]]> Sun, 18 Sep 2011 16:00:00 GMT 1762690-Massachusetts-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

Bachelors degree preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS.


This position can be hired in the following states: CT, MA, ME, NH and RI.
 

Hours and Work Schedule

Hours per week:  40


Work Schedule:  Monday - Friday  8:00 AM - 5:00 PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380267]]> Sun, 18 Sep 2011 16:00:00 GMT 1762694-New-Hampshire-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS
 

Hours and Work Schedule

Hours per week: 40


Work Schedule: Monday - Friday 8:00AM - 5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
378940]]> Thu, 11 Aug 2011 16:00:00 GMT 1665252-Detroit-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.


Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


Successful candidate must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
377454]]> Wed, 06 Jul 2011 16:00:00 GMT 1584868-New-York-State-Sales-and-Service