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Citizens · 5 hours ago

Commercial Credit Risk Senior Director

Boston, MA

Full-time

Onsite

Director/Executive

$220K/yr - $340K/yr

20+ years exp

Citizens is seeking a dynamic and experienced credit executive to lead the Commercial & Industrial (C&I) Credit Risk function for the Corporate Banking division. This role involves managing credit risk across various industries and leading a team of Senior Credit Officers, while ensuring alignment with the bank's risk appetite and regulatory expectations.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

Lead the strategic direction and risk oversight of a complex C&I credit portfolio, ensuring alignment with the bank’s risk appetite, growth objectives, and regulatory expectations

Manage and mentor a team of senior Credit Officers across multiple geographies

Promote a culture of accountability, collaboration, and continuous learning, while ensuring consistent credit standards and decision-making across sectors

Hold delegated credit authority for high-value transactions and provide recommendations for credits exceeding approval thresholds

Advise and guide senior credit officers as appropriate in highly visible, complex deal situations

Serve as a senior voice in credit discussions, policy forums, and risk governance bodies

Leverage specialized industry knowledge to support complex credit structures, including leveraged finance, acquisition financing, and syndicated loans

Partner with Corporate & Investment Banking and Capital Markets teams to deliver tailored client solutions

Represent the credit function in regulatory exams, internal audits, and model validation reviews

Contribute to the formation of risk appetite, policy enhancements, and strategic initiatives

Act as a senior advisor to Relationship Managers, Portfolio Managers, and business line leaders

Participate in client meetings to assess creditworthiness and support informed decision-making

Qualification

Commercial credit experienceCredit risk managementRegulatory requirements knowledgeLeveraged finance expertiseTeam managementExecutive presenceStakeholder engagement

Required

20+ years of commercial credit experience at major banks, with a strong track record in managing large, complex portfolios

Demonstrated leadership in managing high-performing credit teams across diverse geographies and sectors

Deep understanding of regulatory requirements, underwriting practices, and capital markets products

Demonstrated experience adjudicating credit decisions and decisively exercising credit approval authority

Experience and knowledge of leveraged finance, special assets, and workout scenarios

Strong executive presence and ability to influence senior stakeholders across the organization

Benefits

Comprehensive medical, dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States

Company

Citizens

Glassdoor3.6

At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.

Founded in 1828

Providence, Rhode Island, USA

10001+ employees

https://www.citizensbank.com/

H1B Sponsorship

Citizens has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

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Trends of Total Sponsorships

2020 (1)