http://cfgcareers.com/connecticut/lending-jobs en
Provide RBS Citizens Healthcare business unit,  corporate finance, equity valuation, relative value analysis, comparable analysis, syndication and distribution support for senior debt financings, as well as, full capital structure analysis including second lien, mezzanine debt and debt capacity analysis, Advise client teams on appropriate capital structure, coordinate with syndication and capital markets professionals on execution strategies and mobilize the necessary RBS and Citizens resources against those client opportunities. Qualify new banking opportunities collaboratively with capital markets, credit underwriting and relationship teams. Participate in portfolio reviews, responding to pre-screen memos and in the ordinary course.   Establish presentation time lines, coordinate and mobilize internal capital market resources and develop pitch concepts.   In effect, partner with CFG capital markets and syndication professionals, and RBS Securities Inc to design optimal capital structure execution strategies.  Architect pitch idea presentations and oversee creation of same by junior staff.  Establish and cultivate healthcare and financial sponsor relationships.   Prepare and manage analysts & associates in the preparation of offering materials to potential investors.  Negotiate critical structural elements with client and investors. Manage distribution process to successful closing of transaction.  Liaise with risk management to ensure that appropriate credit and market risks are identified and addressed. Maintain effective license to operate by sustaining a high level of trust and confidence by senior line and risk management.  Manage pool of analysts and associates to include efficiency of their work flows, prioritization of assignments, guidance and coaching on financial modeling and comparable deal analysis.  Ensure analyst and associate work is done timely and accurately.
 

Qualifications

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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

384392]]> Sun, 01 Apr 2012 16:00:00 GMT 2317472-Stamford-Finance
The Portfolio Manager (PM) position in Technology Banking is a multi-faceted role responsible for both the management of an existing portfolio of loans and the underwriting of new loans.  PMs provide primary client management support for an assigned portfolio of loans and may assist in directing less experienced portfolio managers or credit analysts.  The role supports Relationship Managers in all aspects of servicing customers and converting prospects including: routine and special servicing matters, assisting with customer presentations, and managing research and marketing material for client prospecting.  PM typically accompanies Relationship Manager when servicing clients and seeks opportunities to cross-sell additional financial products.
 The role requires the following skills: 1) strong credit acumen; 2) excellent communication skills; 3) strong business writing skills; 4) experience managing client interaction; 5) due diligence analysis; 6) understanding of bank regulation and compliance; 7) ability to work well with internal and external clients; and, 8) high level of initiative and capability to work independently on financings and other responsibilities.  PMs will need to interact with customers independently to address non-routine client servicing matters in addition to risk related items.  Candidates must have excellent computer, excel modeling, and powerpoint skills.  Position requires experience with Bloomberg, Capital IQ, public SEC filings, rating agency reports, and equity research reports for industry and comparable analysis.  
 The position will require constant interaction with business line managers, product partners, credit risk management, and colleagues throughout RBS Citizens, its parent, and subsidiaries. Daily responsibilities include: preparation of credit approvals for amendments and new loan opportunities, loan modifications, annual reviews, quarterly reviews, earnings calls, ad-hoc credit risk management requests, client presentations, compliance reporting, reviewing and negotiating loan agreement documents, loan closing and funding, and attending customer meetings.
 We are looking for Portfolio Manager/Underwriters with leveraged finance skills and prior experience underwriting Lead Arranger and Club transactions.  Portfolio Managers will be directly involved in establishing underwriting due diligence, identifying key transaction risks and mitigating factors, and documenting the loan documents following credit approval.  Prior experience in the Technology lending industry is a plus.
 

Qualifications

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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

384117]]> Mon, 12 Mar 2012 16:00:00 GMT 2259010-Stamford-Sales-and-Service
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

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

Qualifications

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


Three plus years of retail residential mortgage sales experience


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


Established relationships with local referral networks


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


Strong computer skills and experience utilizing laptop technology


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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

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

Qualifications

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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

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

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

Qualifications

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


Three plus years of retail residential mortgage sales experience


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


Established relationships with local referral networks


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


Strong computer skills and experience utilizing laptop technology


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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

381828]]> Wed, 22 Feb 2012 14:00:00 GMT 1974251-Hartford-Sales-and-Service
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