Credit Review Manager

at Citizens in Chicago, Illinois, United States

Job Description


Credit Review Manager

The Credit Review Manager position is a team member in the Bank’s third line Credit Review function’s Commercial Real Estate team. The Credit Review team is an independent team reporting to the bank’s Audit Committee responsible for oversight of all bank lending activities. The Credit Review Manager is responsible for the independent evaluation of borrower-level loan transactions, credit portfolios, and credit risk management practices throughout the bank’s Commercial Real Estate portfolio.

Primary responsibilities include

+ Review individual credit transactions and business unit portfolios, including assisting senior Credit Review staff with more complex reviews.

+ Assess asset quality, loan structure, quality and accuracy of underwriting, identification of key risks, and overall evaluation of the ultimate support of the credit decision rendered.

+ Ensure accuracy of assigned credit risk and regulatory ratings and proper model usage.

+ Confirm compliance with established credit policies and risk appetite.

+ Evaluate management oversight process, assign overall credit management and asset quality ratings, and formulate recommendations to proactively reduce credit risk and potential losses.

+ Identify potential weaknesses and emerging trends.

+ Utilize influencing skills to resolve issues and agree to solutions prior to finalization of exam reports.

+ Incorporate findings and recommendations into written reports which are ultimately distributed to executive management and external regulatory bodies.


+ 10+ years of advanced analytical, loan structuring, underwriting, and credit experience in Commercial Real Estate sector.

+ Solid understanding of US regulatory rating framework and US regulatory requirements governing Commercial Real Estate credit risk management.

+ Previous bank credit review or bank examiner experience is highly preferred.

+ Excellent organizational skills and ability to manage multiple projects and meet strict deadlines.

+ Self-motivated, ability to work independently in a geographically dispersed environment.

+ Strong negotiation skills with ability to defend position in collaborative manner.

+ Proven ability to work in a team environment, lead others, and appropriately prioritize workload to ensure deadlines are met.

Education, Certifications and/or Other Professional Credentials

+ Bachelors Degree is required.

Hours & Work Schedule

+ Hours per Week: 40

+ Work Schedule: Monday – Friday, 8:00 am – 5:00 pm


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Equal Employment Opportunity

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you’ll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

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Job Posting: JC240838281

Posted On: May 25, 2023

Updated On: Jul 15, 2023

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