http://cfgcareers.com/careers/lending-jobs en
Manage the portfolio management group with objective quality control relating to the manufacturing, monitoring, risk rating, reporting, and compliance functions.   Ensure there is discipline and consistency around the PM process.  Enforce early warning protocols around deteriorating credits - sponsor and project.  This position is responsible for taking a leadership role in helping the region attain its goals while adhering to a sound CRE and CFG/RBS business model. Individual will manage the region's portfolio management team and create/improve processes and procedures to maintain quality control of the portfolio.
 

Qualifications

12+ years of commercial real estate loan underwriting experience with ability to manage and grow significant customer portfolio.  


Previous management level experience preferred.


BA degree, MA preferred with successful completion of a credit training/underwriting program.


Excellent written and verbal communication and interpersonal skills and ability develop and maintain customer relationships.


Proven credit management abilities with good computer skills for recording and tracking results.


Outstanding organizational skills and ability to work in a fast paced environment with minimal supervision.
 

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.

383275]]> Mon, 30 Jan 2012 14:00:00 GMT 2136825-Boston-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
This position is accountable for partnering with the leaders of Distribution (retail, business banking, wealth, Phonebank, & ATM/partnerships) to build and drive a culture of customer excellence.  This position will interact and influence the executives of this business to continue to think through the customer experience in every decision that is made and within every channel.  This position will present and share data and information on customer experience, metrics and voice of the customer and colleague research with the result being driven to focus energy and resources on the right initiatives that will ultimately improve the customer experience.  This executive will also ensure that customer complaint management is effectively managed within distribution and that appropriate action is taken to mitigate the root causes of the complaints.  In highly sensitive cases, this individual will personally direct the resolution of customer issues.  This position will be a member of the distribution board and will be an overall partner with the line to deliver their overall goals with a keen focus on delivering the goal of a differentiated customer experience.
 

Qualifications

Must have a proven track record of building and/or transforming a corporate culture into a model organization for customer focus and colleague engagement.

Strong knowledge and understanding of voice of the customer and the colleague

Ability to lead effectively in a highly functionally run organization and build strong relationship across business groups.

Strong knowledge of banking, banking products and distribution channels

Ability to communicate effectively, think strategically and execute tactically

Must have a proven track record in influencing management and building relationships with cross functional teams

Proven self starter with a high level of problem solving skills

Bachelor’s degree or masters


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.

383223]]> Sun, 29 Jan 2012 14:00:00 GMT 2134057-Dedham-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
Managing a portfolio of corporate clients, consisting of U.S. subsidiaries of foreign multi-national companies, primarily European general industrials, as well as U.S. companies in the business services "space." Lead role in all credit actions for portfolio, including underwriting and presenting loans for approvals. Ensuring client exposures underwritten to Bank’s standards and conducts continuous monitoring to ensure acceptable risk profile and ongoing compliance.  Developing exposure management strategies in concert with client relationship strategy developed by relationship managers.


Independent calling and client facing activities with all clients in portfolio, as well as partnering with relationship managers in client prospecting and pitching.  Leading client presentations regarding structuring of senior credit facilities.  Negotiating and closing credit requests with clients/prospects, while ensuring debt structuring balances customer needs with risk. Providing Relationship Managers with assistance on specific project requests relating to the Commercial Banking Team’s goals and objectives. Leading third party review discussions, including SNC, Risk, and Compliance and satisfactory third party reviews.  Managerial responsibility for less experienced Credit Analyst(s).
 

Qualifications

Position requires 7-10 years of commercial banking experience handling mid cap and large corporate clients with investment and non-investment grade credit profiles.


BA/BS degree, and/or MBA preferably in Finance, Economics, Business Administration, or Accounting.


Broad general knowledge of debt capital products and markets.


Strong commercial credit product knowledge and in depth experience with loan documentation both for secured and unsecured transactions.


Strong understanding of general credit and risk principles, policies and procedures, with solid analytical and problem-solving skills. .


Strong written and oral communication skills as well as time management skills.


Successful completion of in depth formal Credit Training program required. 


Excellent PC skills including Microsoft Word, knowledge of Excel spreadsheets and Power Point.


Foreign Corporate Business underwriting experience helpful.
 

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.

383034]]> Tue, 24 Jan 2012 14:00:00 GMT 2124244-New-York-State-Lending
Work with team of Franchise Lending and Retail Petroleum relationship managers and portfolio managers post-loan approval and prior to loan closing.  Work with Agent bank, loan servicing, and closing attorneys to ensure that credit agreements are consistent with credit approvals and meet bank requirements.  Responsible for coordinating  real estate, flood, and environmental process.  Order appraisal and environmental reports and follow up on Real Estate Risk Services recommendations as needed. Assemble legal documents and coordinate process with counsel.  Review general liability and property insurance policies for sufficiency. Review amortization schedules for accuracy.  Coordinate closing of swap transactions.  Responsible for post-closing follow up, obtaining undertaking items, and UCC filing and release confirmations.  Proactively identifies and assists in resolving issues affecting loan closing.  Obtains payoff letters, disbursement instructions and generally coordinates loan closing process for team.
 

Qualifications

Bachelors degree required, paralegal experience with knowledge of real estate lending is desired.
Minimum of five years commercial lending, real estate, or loan closing experience required.  Knowledge of credit agreements, credit structure (lines of credit and term loans) and real estate is required.   Strong communication, organization, and interpersonal skills are required. 
Must maintain critical timelines, handle multiple workstreams, and raise issues in a timely manner.  Aptitude for analysis, and understanding of loan documentation is 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 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.

383098]]> Mon, 23 Jan 2012 14:00:00 GMT 2121056-Boston-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.

382999]]> Thu, 19 Jan 2012 14:00:00 GMT 2110040-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.

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
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.
382753]]> Mon, 16 Jan 2012 14:00:00 GMT 2102086-Philadelphia-Sales-and-Service
Accountable for the management of 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.
Daily responsibilities include, applying and enforcing risk mitigation controls, maintaining high levels 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 internal and external legal documentation for adherence to Bank policies, procedures and federal regulations to mitigate operational, documentation, reputation risk as appropriate. Take independent action to rectify any inaccuracies or exceptions prior to loan closing. Implement effective controls and proactively initiate action to resolve client issues appropriately with minimal involvement from Relationship Manager or CBCS Team Leader/Manager in a timely manner. Effectively escalate and engage Relationship Manager and/or CBCS Team Leader of issues as appropriate. Consistently maintain a state of internal and external audit readiness and exhibit appropriate knowledge of clients/products within the portfolio when interacting with peers, relationship team, team leader and senior managers.
Ensure the accuracy of critical data across data bases and systems of record to prevent negative impact to Client and/or Bank. Working knowledge of Commercial Credit Policy, Federal Regulations, loan documentation to include Credit Agreements, Notes, Guarantees and collateral requirements and is qualified to close complex commercial loans and manage a portfolio of complex commercial loans with minimal supervision. Process client request for loan advances, loan payments, rate changes and other inquiries ensuring accurate and superior client service.
Develop valued relationships with internal and external clients. Proactively collaborate both within department and across business lines. Daily interaction with all business partners and colleagues as well as assign Commercial Banking clients to effectively manage portfolio while mitigating risk and ensuring client satisfaction.
 

Qualifications

Possess commercial  loan.processing experience with complex deal structures               and/or Clients.   Working knowledge of Commercial Credit policy, Federal     regulations,  loan documentation terms and conditions including Credit Agreements, Notes, Guarantees and collateral requirements and is qualified to close complex commercial loans and manage a portfolio of complex commercial loans.
Knowledgeable in the areas of operational, system, financial, regulatory and accounting activities. Detail oriented to maintain high levels of data stewardship. Solid working knowledge of Bank systems used to support position accountabilities. Highly motivated and team-oriented. Exhibit analytical ability to expedite complex problem resolution. Developed written and oral communications skills to provide exceptional client service and to effectively communicate with clients, colleagues and all levels of management.
Manage multiple priorities and maintain productivity during periods of change or uncertainty. Demonstrated ability to negotiate and influence. Adept with PC, Mainframe, Word and Excel.
 

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.

382752]]> Thu, 12 Jan 2012 14:00:00 GMT 2092407-Boston-Lending
As a successful member of our Student Loan Underwriting team it will be critical to underwrite complete private student loans including automated and manual portfolio, with strict attention to Reg B, ECOA, and FCRA.


Ensure material information captured in the automated underwriting system is accurate at time of review.


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.


Respond timely to quality control and audit reviews when requested. Provide superior customer service to both internal and external customers.


Ensure Quality Assurance process is in place and adhered to prior to loan disbursement.


Assist the Group Team Lead when necessary.

Qualifications

 Bachelor's degree preferred or equivalent coursework and/or training in underwriting.


Minimum of 5 or more years underwriting required, student loan experience preferred 


Automated Underwriting System experience required


Self-directed with excellent time management skills


Demonstrated ability to analyze and evaluate complex income documentation


Ability to work in a face paced environment


Exceptional written and verbal communication skills


Advanced proficiency in Word and Excel

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.

382890]]> Thu, 12 Jan 2012 14:00:00 GMT 2092344-Providence-Sales-and-Service
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.

382857]]> Wed, 11 Jan 2012 14:00:00 GMT 2092343-Framingham-Corporate
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
 

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.

382706]]> Tue, 10 Jan 2012 14:00:00 GMT 2089495-Providence-Sales-and-Service
Purpose:  Manages a team of Commercial Portfolio Managers and Credit Analysts, including those managing straightforward up to the most complex credits with the most complex corporate organization structures, documentation and/or collateral structures, including those with large exposures in complicated and/or specialized industries.  
 Assures that all PMs are trained and kept up to date on CFG credit policy as well as credit issues affecting the general economy.  Actively ensures compliance with federal regulations and CFG policies.  Actively involved in assessing, developing and implementing credit and compliance policies. 
 Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all CFG internal policies.  Prioritizes work that is assigned to the group, assure that work is appropriately distributed among the team members and is responsible for objective quality control of groups analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to the Bank. 
Manages the performance management and development process for all reports.
Credit Administration & Stewardship:



Ensures that direct reports' work product is quality controlled and compliant with CFG commercial credit policy.   

Demonstrates superior practical and conceptual knowledge of credit and risk analysis, and is involved in decisioning credit.  Is able to directly manage PMs around all aspects of the most complex credit situations, including Syndications/multi-bank transactions.

Highly capable of developing, negotiating and communicating loan structures both internally and externally across a broad range of industries.  

Effectively interacts with Credit, Credit Review and other CFG partners to ensure smooth working process across area of responsibility.

Works in partnership with RMs and other TLs to respond to outcomes from periodic field exams.

Possesses expert level of knowledge related to credit policy and practice across the entire portfolio for particular business unit, state or region.

Portfolio and Risk Management:



Has direct oversight and responsibility for the outcomes of compliance and regulatory as well as in-field Credit Reviews for overall portfolio. 

Provides direction and oversight of portfolio composition, identifies macro trends and implements strategies for managing overall portfolio risk, pro-actively designs, implements and monitors internal systems to assure that all portfolio administration processes and work is completed on a timely basis and in compliance with all applicable policies and procedures.

Regularly monitors and acts upon information contained in, but not limited to, the following reports to ensure that portfolio managers are meeting credit, risk, compliance and regulatory requirements for each portion of the portfolio that they are assigned:



Commercial Management Dashboard Reports (ORA/FACT)


Delinquency Reports


Weighted Average Risk Rating Migration Report


Continuous Monitoring Exams Report




Where needed, may have responsibility for a portfolio of complex client relationships.

Is directly responsible for maintaining portfolio risk rating integrity.

Client Knowledge:



Understands and stays abreast of industry information related to the customer segment and/or industries represented within the assigned portfolio.  Shares insights and learnings with other RMs and PMs. 

Exhibits extensive understanding of overall portfolio composition including customers, credits, profitability levels, risks and opportunities. 

Is skilled at leading meetings - both internally and externally with clients.

Internal Colleague & External Client Communication:



Exhibits expert knowledge or clients/credits included in the portfolio when interacting with peers, relationship manager, team leader, and senior managers across departments/work teams.

Exhibits comprehensive written and verbal communication skills, strong presentation development and delivery skills, and shows high level of expertise when interacting with clients at the highest level in discussing credit structure and business risks.   

Pro-actively builds relationships both within department and across business unit.  Shows ability to influence RMs around credit decisions.  Is able to view credit/client situations from multiple angles and can debate the merits of a given transaction and defend position both internally and externally.

Actively engages with Relationship Managers, Senior Management, Credit Officers, Division Executives, State Presidents, and other business unit leaders on progress, issues and challenges related to a particular customer relationship or portfolio concern. 

Brings forth ideas, solutions and drives actions individually and through others to resolve business and customer challenges.


People Management:



Manages Portfolio Management team; working closely with Division Execs and RelationshipTeam Leaders to ensure workflow and work product is aligned with Business Plan. 

Focuses on building capability level of PMs and strengthening PM work force capacity to ensure that staff resources and internal process are optimized for efficient delivery and servicing of department product.  Manages overall portfolio management/underwriting capacity in a particular business unit, state or region.

Manages the performance management and development process for the portfolio manager population within a particular business unit, state or region.  Conducts informal training and developmental sessions on credit related topics.  Actively coaches direct reports to enhance performance outcomes.

Sets clear and measurable expectations with existing direct reports and/or with internal business partners. 

Exhibits strength in communicating organization and departmental goals and objectives.


Qualifications

Bachelor Degree or above preferred

Equivalent work experience may be considered as alternative to formal degree program completion.

10 plus years of experience and exhibited competency in financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices. 

Expected to have highly advanced level of credit experience, documentation experience in proposing and negotiating, both internally and externally, credit and covenant structures and documenting loans. 

Must demonstrate superior practical and conceptual knowledge of credit and risk analysis.  

 COMPETENCY AREAS:



See CFG/RBSG Leadership Excellence Profile – Competency categories include:

Burning Drive for Results

Strategic Dexterity

Winning the License to Operate

Delivering Through People

Leading Others


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.

382566]]> Wed, 04 Jan 2012 14:00:00 GMT 2076535-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 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.

382668]]> Tue, 03 Jan 2012 14:00:00 GMT 2073718-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
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]]> Sun, 18 Dec 2011 14:00:00 GMT 2042596-Providence-Lending
Seeking Credit Analyst/Associate with 2-5 years' credit experience, superior modeling skills and formal credit training for middle-market Sponsor (Private Equity) Finance business. Provides modeling, underwriting and company and industry due diligence for new loans.  Assisting team with credit approvals and closing of loans. Assisting Portfolio Managers/Bankers to monitor and service a portfolio of closed loans.  Interact with customers to address non-routine servicing matters or other risk related issues. Assist team with cross-selling opportunities.  Produce pitch books and other client focused materials.   Diligent and timely execution of work product.  Effective communications and influencing skills.  Strong credit acumen.   Ideal candidate needs to be a hard charging, self starter with energy and drive to successfully complete tasks on abbreviated timelines.  Demonstrated strong desire to succeed and drive business.  This position is located in Boston.
 

Qualifications

2+ years of successful commercial lending experience with relevant institution, commercial bank or investment bank. 
Leveraged lending experience required.  
Successful completion of a formal commercial credit training program or equivalent experience. 
Advanced analytical, loan structuring, underwriting and other skills. 
Ability to perform at a high level in a team environment. 
Proven track record of success (undergrad/current employ).
 

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.

382329]]> Tue, 13 Dec 2011 14:00:00 GMT 2034322-Boston-Finance
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.

382250]]> Thu, 08 Dec 2011 14:00:00 GMT 2028515-Chicago-Corporate
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.
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.
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.  
 

Qualifications

High School or Equivalent (GED), Bachelor 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 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.

382195]]> Tue, 06 Dec 2011 14:00:00 GMT 2014357-Cincinnati-Sales-and-Service
Responsible for underwriting conforming loan product offerings for the business unit.  For mortgage underwriting this includes automated and manual portfolio products, 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 up to conforming loan limits.

The Underwriter I reports to the Regional Team Manager, who reports to the Underwriting Group Manager.  This is the entry-level role for the underwriting team, and a logical next step in the career progression of a Processor II or Processor III.

For mortgage underwriting this includes automated and manual portfolio products, 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

Interact with internal and external clients.  Including Loan Officers/branch bankers, 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.

Bachelor Degree - preferred

Mortgage/Home Equity Underwriter 0-4 Mortgage and equity underwriting experience in a lending institution.

Mortgage Processor 3+ as an alternative to mortgage underwriting experience, applicant should have over 3 years of processing experience.

Mortgage and equity industry experience

Knowledge of underwriting guidelines

Detail and organizational skills

Customer service skills

Excellent written and verbal 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. - 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.

382194]]> Tue, 06 Dec 2011 14:00:00 GMT 2014356-Cincinnati-Sales-and-Service
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.
 

Other Information

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.
375195]]> Tue, 29 Nov 2011 14:00:00 GMT 1430151-New-York-State-Lending
Manage the portfolio management group with objective quality control relating to the manufacturing, monitoring, risk rating, reporting, and compliance functions.   Ensure there is discipline and consistency around the PM process.  Enforce early warning protocols around deteriorating credits - sponsor and project.  This position is responsible for taking a leadership role in helping the region attain its goals while adhering to a sound CRE and CFG/RBS business model. Individual will manage the region's portfolio management team and create/improve processes and procedures to maintain quality control of the portfolio.
 

Qualifications

12+ years of commercial real estate loan underwriting experience with ability to manage and grow significant customer portfolio.  


Previous management level experience preferred.


BA degree, MA preferred with successful completion of a credit training/underwriting program.


Excellent written and verbal communication and interpersonal skills and ability develop and maintain customer relationships.


Proven credit management abilities with good computer skills for recording and tracking results.


Outstanding organizational skills and ability to work in a fast paced environment with minimal supervision.
 

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.

381900]]> Sun, 20 Nov 2011 14:00:00 GMT 1979760-New-Hampshire-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.

381826]]> Thu, 17 Nov 2011 14:00:00 GMT 1974249-Hartford-Sales-and-Service
Responsible for proactive credit and risk administration of assigned portfolio accounts; client management support; structuring, underwriting, and documenting new business.  Regular client interaction to support and complement Relationship Manager with the servicing customers and resolving issues related to credit.  Manages more complex credits and supports less experienced Portfolio Managers as needed.
 

Qualifications

Minimum 10 years relevant experience in commercial banking including 3-5 years commercial credit experience with financial analysis, credit structuring, policy & compliance, and commercial products. 


Successful completion of formal credit training program a plus. 


Excellent verbal, communication, interpersonal and organizational skills required.  Ability to multi-task and function under pressure. 


Proficient in PC applications, including projection modeling.
 

Other Information

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.
380131]]> Mon, 14 Nov 2011 14:00:00 GMT 1756821-New-Hampshire-Lending
Responsible for closely working with the customer during the post-closing process for construction loans, permanent loans, bridge loans, agented and participated Construction Loans, REIT'S, Lines of Credit, SWAPS, Foreign Exchange (Euros and Pounds), multiple tranche loans.  Special emphasis on multi-bank syndicated lines of credit commercial construction loans, acquisition, bridge and interim loans as well as letters of credit, lines of credit and LIHTC financing.


Must demonstrate the ability to calculate availability on Borrowing Base Loans by reviewing the Borrowing Base Reports.


Proactively identifies and assists in resolving issues affecting client service and risk management.


Responsibilities include working with management to ensure compliance with all internal audit and OCC requirements and mitigating risk by elevating any issues of risk management and client service issues to management.


Performs administrative activities associated with the maintenance and disbursement of departmental construction loan accounts.  Duties may include:  ordering inspections; ensuring completeness; providing customer service; verifying loan data; coordination of the transfer of funds; monitoring accounts; inputting date; preparing various reports; and escrow documents.


Assists closer in assembling and transmitting loan closing package to title companies, and preparation of escrow documents.

Other duties as assigned.
 

Qualifications

4-year college degree in Legal Studies, Finance or Business Management.


Minimum of 10 years commercial real estate banking experience.


Expertise in servicing for agented and participated Construction Loans, REIT'S, Lines of Credit, SWAPS, Foreign Exchange (Euros and Pounds), multiple tranche loans. 


The ability to calculate availability on Borrowing Base Loans by reviewing the Borrowing Base Reports.


Strong knowledge of construction and interim financing including commitment/loan structures, real estate title, mechanics lien, contracts, leases, AIA documents, insurance and other legal documentation and compliance with state specific legal requirements.


Strong communication, organizational and interpersonal skills; customer service experience.


Personal computer proficiency, ten-key adding machine and arithmetic proficiency.


Ability to handle multiple tasks in a high loan volume environment.


Aptitude for analysis, systems and mathematics.


Willingness to work in a team environment and closely coordinate efforts with the sales staff and management.
 

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.
381545]]> Tue, 08 Nov 2011 14:00:00 GMT 1924312-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 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.
378323]]> Sun, 16 Oct 2011 16:00:00 GMT 1625649-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

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 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]]> Wed, 12 Oct 2011 16:00:00 GMT 1856012-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. 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 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.
380967]]> Wed, 12 Oct 2011 16:00:00 GMT 1855991-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 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.
380975]]> Wed, 12 Oct 2011 16:00:00 GMT 1856001-New-York-State-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, 11 Oct 2011 16:00:00 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
 

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.
368006]]> Tue, 11 Oct 2011 16:00:00 GMT 886087-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. - 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.
380852]]> Mon, 10 Oct 2011 16:00:00 GMT 1855995-Westlake-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.
380855]]> Mon, 10 Oct 2011 16:00:00 GMT 1855993-Akron-Sales-and-Service
Manages a team of Commercial Portfolio Managers and Credit Analysts, including those managing straightforward up to the most complex credits with the most complex corporate organization structures, documentation and/or collateral structures, including those with large exposures in complicated and/or specialized industries.  


Assures that all PMs are trained and kept up to date on CFG credit policy as well as credit issues affecting the general economy.  Actively ensures compliance with federal regulations and CFG policies.  Actively involved in assessing, developing and implementing credit and compliance policies. 


Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all CFG internal policies.  Prioritizes work that is assigned to the group, assure that work is appropriately distributed among the team members and is responsible for objective quality control of groups analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to the Bank. 


Manages the performance management and development process for all reports.
 

Qualifications

10 plus years of experience and exhibited competency in financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices. 


Expected to have highly advanced level of credit experience, documentation experience in proposing and negotiating, both internally and externally, credit and covenant structures and documenting loans. 


Must demonstrate superior practical and conceptual knowledge of credit and risk analysis. 


Equivalent work experience may be considered as alternative to formal degree program completion.
 

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.
376879]]> Sun, 19 Jun 2011 16:00:00 GMT 1541627-Cleveland-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

Other Information

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.
376855]]> Sun, 19 Jun 2011 16:00:00 GMT 1541597-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

Other Information

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.
376389]]> Tue, 07 Jun 2011 16:00:00 GMT 1513423-Delaware-Sales-and-Service
Solicit, develop, and service a wide variety or secured commercial loans and lines of credit. Negotiate loan requests and approves credits within give credit authority. Analyze and underwrite new business transactions and increases/changes to existing relationships. Present credit offerings to senior management after careful review. Respond knowledgeably and confidently to management questions and requests for information. Represent all areas of the company to the customer base and be fully knowledgeable and conversant about varied financing options, cash management and other products and services so that he/she is able to assist customers in obtaining a full array of the bank's services. Incumbents are typically responsible for loan portfolios with total commercial loan assets of $50MM to $100MM.

Qualifications

Bachelor's Degree in Finance or MBA preferred.


Formal credit training.


Minimum of 5 years experience in Asset Based Lending.


Highest level negotiation skills.


Strong marketing and sales skills.


Excellent verbal and written communication skills required.

Other Information

Hours per Week: 40


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

Equal Employment Opportunity

It is the policy of RBS Business Capital 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.
373234]]> Wed, 09 Feb 2011 14:00:00 GMT 1213541-Boston-Lending