http://cfgcareers.com/illinois/lending-jobs en
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

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

Qualifications

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


Three plus years of retail residential mortgage sales experience


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


Established relationships with local referral networks


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


Strong computer skills and experience utilizing laptop technology


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


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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

386098]]> Tue, 01 May 2012 16:00:00 GMT 2406302-Illinois-Sales-and-Service
The Relationship Manager is the central contact person for credit-based clients; he/she quarterbacks the delivery and maintenance of a wide array of diverse bank products and services through cross-sell partners and acts as a trusted advisor to the client’s executive management team. The trusted advisor role revolves around relationship building, idea generation, strategic business discussions, risk management, credit structuring, industry observations, and other matters of elevated importance.
 The Relationship Manager will manage a portfolio of credit and non-credit relationships of varying size and complexity. Equally important, he/she shall be responsible for active market coverage of prospective clients to achieve new client acquisition goals to generate new and incremental margin and fee-based revenue from both credit and non-credit ancillary product sales, including capital markets products and services offered by the Bank.
 Within the Middle Market team, the Relationship Manager will focus on companies with annual revenue between $25-500 million and will typically be responsible for managing 10-15 credit-based relationships with average loan outstandings of approximately $100 million plus other non-credit relationships, and generating annual incremental fee income of at $500,000 per year.
 The RM must be highly experienced in credit matters, able to read, interpret, and understand financial statements and credit issues quickly, and capable of strategic thinking to add value to a diverse set of companies within the portfolio.  The RM will need to be able to both delegate and work closely and effectively with the Portfolio Management team to proactively serve the needs of the clients, while expanding the relationships and growing the overall portfolio.
 

Qualifications

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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

385659]]> Tue, 17 Apr 2012 16:00:00 GMT 2362888-Chicago-Lending
Working in a team environment, the candidate will analyze, underwrite and present credit recommendations on commercial loan requests and/or modifications.  Analyses will include in-depth review of financial statements, tax returns and relevant credit information.  Preparation of underwriting documents will also include collateral analysis on multiple asset classes, preparation of pricing and risk rating models, and completion of the credit proposal summary in accordance with Citizens Financial Group policy.  The position will be responsible for system and spreadsheet tracking of loan covenant compliance, financial ticklers, and also spreading all the F/S.  Must keep relationship managers readily informed of issues or developments.  The position may also include interaction with Bank clients and prospects.  Tracking of doc exceptions, past dues and PD changes, field exams, Borrowing Base reports and covenant exceptions.   Pull reports from internal system, prepare compliance check lists and assist in remediating compliance exceptions.  Ensure data integrity and verify loan booking packages.   Continuously monitor and coordinate information for Credit Review.   File reports, and resolve all issues in a timely and efficient manner. 
 

Qualifications

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

Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

384560]]> Wed, 14 Mar 2012 16:00:00 GMT 2270041-Chicago-Lending
Generate mortgage applications for CCO Mortgage. Meet sales goals and objectives. Call on existing and potential customers in order to retain existing accounts, as well as develop new accounts.  Interview applicants to develop information regarding their product needs and determine appropriate product, terms, and pricing.
 

Qualifications

4+ years of residential mortgage sales experience.


Minimum $12M in annual closed loan volume.


Referral network required.


Excellent written skills.


Excellent organizational and communication skills required.


Outstanding interpersonal skills.


Bachelor degree preferred.
 

Hours and Work Schedule

Hours per week: 40


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

Equal Employment Opportunity

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

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. - Charter One to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
380868]]> Tue, 21 Feb 2012 14:00:00 GMT 1856016-Chicago-Sales-and-Service
 Serve as a visible market leader and presence in the Private Equity (“PE”) finance community, bringing long and deep relationships with PE firms. 
- Raise the stature of RBSC in the PE finance market and contribute to the establishment of the Sponsor Finance business.


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


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


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


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


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

Qualifications

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

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

Demonstrated ability to originate and expand PE relationships.

Established business network.

Demonstrated market leadership.

Demonstrated desire to succeed and drive business.

Effective communications and influencing skills.

Strong credit acumen and superior market knowledge.

Reputation as a team player.


Hours and Work Schedule

Hours per Week:   40


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

Equal Employment Opportunity

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

383583]]> Tue, 14 Feb 2012 14:00:00 GMT 2175664-Chicago-Lending