Citizens · 21 hours ago
Private Bank, CRE Credit Analyst (Boston, MA)
28 State Street, Boston, MA, 02109, US
Full-time
Hybrid
Entry Level
$80K/yr - $100K/yr
1+ years expCitizens is a financial institution seeking a Private Bank, CRE Credit Analyst to support the Portfolio Manager by preparing analyses of Commercial Real Estate borrowers for Annual Reviews. The role involves auditing credit files, providing high-quality client service, and ensuring compliance with internal policies while performing financial analysis and reporting.
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Responsibilities
Audits credit files to ensure that all necessary file documentation is present and up to date
Provide a white glove service to our clients, which includes timely responses to all client-related inquiries and requests
Create, maintain, and monitor all loan and credit files at the highest quality, which entails testing existing credit facilities for financial and reporting covenant compliance, detecting early warning signs that could lead to a potential default, monitoring underperforming loans and evaluating proper loan risk ratings
Prepares and submits internal reporting/compliance documentation and reporting for assigned portfolio
Prepares and processes loan modifications, tracks and collects ongoing financial reporting and tests covenant compliance
Assesses and confirms the accuracy of risk ratings and recommends changes as warranted to Portfolio Manager
Completes risk rating updates in system as needed
Ability to interpret financial statements, formulate material questions and draw preliminary conclusions based on analysis and can thoughtfully summarize findings
Accompanies RM/PM on client calls periodically. Able to field basic internal questions from Credit independently
Works diligently in support of assigned credits to present information in an organized manner
Typically supports a particular group of senior PMs in support of the activities noted above for moderately to very complex credits
Qualification
Required
Bachelor's degree is required
Position requires basic internet search skills
Developed knowledge of financial statement spreading and profitability modeling
Effective verbal and written communications skills
Ability to manage multiple priorities at once
Proficiency in Microsoft Excel, PowerPoint, and Word
Ability to interact with high-level financial professionals in the CRE ecosystem, ranging from fund administrators to CFOs
Ensure compliance with regulatory requirements and internal policies and procedures
Credit Analysts should be strong communicators in nature, having to liaise with various internal Bank colleagues, stakeholders, and clients
Preferred
Equivalent work experience or completion of formal credit training program and up to 2 years of applied financial analysis working with straightforward to moderately complex credits with a focus on Commercial Real Estate is strongly preferred
Alternatively, 1-3 years of private banking, commercial banking, or summer analyst experience supporting a fast-paced environment is preferred
Willingness to learn fund structure and how different loans support CRE in the Private Bank; experience underwriting credit approval packages for renewals and modifications to existing credit facilities preferred
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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