Citizens · 1 day ago
Private Bank, Lending Specialist (West Palm Beach, FL)
180 Lakeview Ave, West Palm Beach, FL, 33401, US
Full-time
Hybrid
Mid Level
$110K/yr - $135K/yr
3+ years expCitizens is a financial institution that provides a range of banking services. They are seeking a Private Bank Lending Specialist to support the Relationship Manager with their client's loan portfolio, ensuring quality control throughout the loan application and closing process.
BankingCredit CardsFinancial ServicesFinTechRetail
Responsibilities
The PB Lending Specialist has a strong understanding of Citizens Private Bank's credit policy, underwriting guidelines, and loan origination systems
After RM handoff, serves as main POC for RM/Client Relations team and third parties to lending transactions
Performs thorough analysis of client's financials to determine loan eligibility and qualification
Monitors active pipeline to ensure loan workflow is efficient and meeting closing deadlines
Maintains a high level of quality control for verifying accuracy of financial and loan documents
Manages end-to-end loan process with internal/external partners from the time the loan is live through closing. (e.g., presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests)
Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines
Knowledgeable on Private Bank credit policy, lending origination systems, and regulatory requirements involved in residential lending
Maintains a high level of quality control for verifying accuracy of financial and loan documents
For PB Lending Specialists who specialize in Residential Lending, responsibilities includes Setting up the loan and borrower terms in Empower, Locking the rate and ordering an appraisal, ordering title with escrow or attorney partners, preparing the initial loan estimate, initiating condo/co-op reviews, completing Underwriting Reviews and generating conditions, reviewing any additional financials and uploading to the loan origination system, composing loan narrative and identifying underwriting guideline variances or policy exceptions, and providing an initial approval decision or loan recommendation for a Credit Risk officer's approval
For PB Lending Specialists who specialize in Commercial Real Estate or Multi-Family Lending, responsibilities include completing the underwriting/analysis of the property as well as the guarantors and sponsors. Responsible for making sure the financial and collateral documents received meet Private Bank guidelines and lead the conversation with the Relationship Manager, Client Relations Team, or Credit Risk Officer to determine next steps, obtains additional needs from the clients, prepares the loan file for approval and closing
Qualification
Required
3+ years of residential lending underwriting and loan processes
Demonstrated success working in high net worth, non-traditional loans and underwriting
Strong written and verbal communication skills with high attention to detail
Proficient use of MS Excel is required- pivot tables, macros, formulas and application navigation
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
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.
10001+ employees
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
Represents job field similar to this job
Trends of Total Sponsorships
2020 (1)
Funding
Current Stage
Public CompanyTotal Funding
$2B2025-02-26Post Ipo Debt· $750M
2024-07-09Post Ipo Debt· $1.25B
2014-09-23IPO
Leadership Team
Melisa Carrascoza
SVP, Business Banking Market Executive - New England South
Steve Kozek
Head of Commercial Excellence, Senior Vice President
Recent News
2026-01-22
Talk Business & Politics
2026-01-19
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