Citizens

Manage and analyze credit portfolios, perform financial modeling, and support credit decision-making. | Proven experience in credit and risk management, proficiency in financial analysis and modeling, ability to manage multiple accounts, and strong judgment. | Description Associate Portfolio Manager, Franchise Finance Description At Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role, and make an impact. While in this role, you will oversee effective credit underwriting, credit, and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and as needed client support for an assigned portfolio of existing restaurant finance and retail petroleum credits. Most importantly, you’ll feel valued for you are and supported to achieve what’s important to you, personally and professionally. Primary responsibilities include + Assist with processing loan modifications, tracks and collects financial reporting and covenant compliance. + Develop solutions and alternative to modifications, including financial covenant structuring. + Engage with existing customers on a specific financial analysis or account management issue. + Work diligently in managing assigned credits to present information in an organize manner. + Responsible for managing the existing portfolio of credits through verification and analysis of financial and collateral information. + Use independent judgment and discretion to complete credit memos, cash flow coverage, projections, collateral coverage, spreads, and risk ratings for assigned credits. + Work with an assigned group of PMs in support of the activities noted above for moderate to complex credits. + Interpret financial statements and make recommendations based on the analysis completed and will advise findings to PM or RM. + Answer financial analysis or modeling questions for other credit analysts. + Handle multiple accounts on your own, engage in 1:1 client contact, and actively participate in risk discussions. Qualifications, Education, Certifications and/or Other Professional Credentials + Proven experience in credit and risk administration, with a strong understanding of credit policy and compliance requirements. + Proficiency in financial analysis, modeling, and risk evaluation, including interpreting financial statements and advising on findings. + Demonstrated ability to manage and maintain portfolios, including loan modifications and covenant compliance. + Capable of independently completing credit packages, including terms and conditions, cash flow and collateral coverage worksheets, and risk ratings. + Strong judgment and discretion in credit decisioning and client engagement. + Effective communicator with clients and internal stakeholders, including Credit and Portfolio Managers. + Comfortable handling multiple accounts and participating in risk discussions. + Collaborative mindset with experience supporting credits and mentoring peers on financial analysis and modeling. + Maintains up-to-date knowledge of market trends and industry developments relevant to restaurant finance and retail petroleum sectors. Hours & Work Schedule + Hours per Week: 40 + Work Schedule: M-F Pay Transparency The salary range for this position is $97,000 - $106,000y per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity 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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. 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 Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. Description Associate Portfolio Manager, Franchise Finance Description At Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role, and make an impact. While in this role, you will oversee effective credit underwriting, credit, and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and as needed client support for an assigned portfolio of existing restaurant finance and retail petroleum credits. Most importantly, you’ll feel valued for you are and supported to achieve what’s important to you, personally and professionally. Primary responsibilities include + Assist with processing loan modifications, tracks and collects financial reporting and covenant compliance. + Develop solutions and alternative to modifications, including financial covenant structuring. + Engage with existing customers on a specific financial analysis or account management issue. + Work diligently in managing assigned credits to present information in an organize manner. + Responsible for managing the existing portfolio of credits through verification and analysis of financial and collateral information. + Use independent judgment and discretion to complete credit memos, cash flow coverage, projections, collateral coverage, spreads, and risk ratings for assigned credits. + Work with an assigned group of PMs in support of the activities noted above for moderate to complex credits. + Interpret financial statements and make recommendations based on the analysis completed and will advise findings to PM or RM. + Answer financial analysis or modeling questions for other credit analysts. + Handle multiple accounts on your own, engage in 1:1 client contact, and actively participate in risk discussions. Qualifications, Education, Certifications and/or Other Professional Credentials + Proven experience in credit and risk administration, with a strong understanding of credit policy and compliance requirements. + Proficiency in financial analysis, modeling, and risk evaluation, including interpreting financial statements and advising on findings. + Demonstrated ability to manage and maintain portfolios, including loan modifications and covenant compliance. + Capable of independently completing credit packages, including terms and conditions, cash flow and collateral coverage worksheets, and risk ratings. + Strong judgment and discretion in credit decisioning and client engagement. + Effective communicator with clients and internal stakeholders, including Credit and Portfolio Managers. + Comfortable handling multiple accounts and participating in risk discussions. + Collaborative mindset with experience supporting credits and mentoring peers on financial analysis and modeling. + Maintains up-to-date knowledge of market trends and industry developments relevant to restaurant finance and retail petroleum sectors. Hours & Work Schedule + Hours per Week: 40 + Work Schedule: M-F Pay Transparency The salary range for this position is $97,000 - $106,000y per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity 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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. 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 Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Lead and execute multi-channel marketing campaigns for treasury and payments products, focusing on customer insights and continuous improvement. | Minimum 7+ years of marketing experience, familiarity with digital tools like Salesforce, Pardot, Demandbase, and analytics, with a strong background in financial services marketing. | At Citizens, marketing is about understanding and engaging people, satisfying their needs, and building brand awareness and trust. We seek an experienced business-to-business marketer who is hungry to do this and more, for our growing corporate and business bank. The ideal candidate has experience developing, owning, and executing marketing strategies and tactics including website, social, search engine marketing, digital advertising, events, direct, content and account-based marketing. You will work closely with internal subject matter experts and will be responsible for organizing and leading cross-functional teams to execute on strategic priorities. You will also interface with business leaders and other marketing leaders from brand, content, digital, and data analytics. If you are made ready for the rewarding challenge of performing your best every day so we can do more for our clients, colleagues and community—we want to hear from you. Primary Responsibilities: • Lead execution for all aspects of treasury and payments marketing – from start to finish, work with line-of-business and other marketing colleagues to drive on-brand, on-strategy, and on-time delivery of campaigns and initiatives. • Prepare clear and concise marketing and creative briefs—work with Growth Strategists to distill measurable objectives, strategies and tactics using data and customer insights to drive outcomes. • Keep the customer at the center of everything we do—serve as the voice of the customer and strive to optimize the client experience across channels and at every touchpoint. • Drive continuous improvement—test, learn and lead retrospective including performance analysis, reporting and recommendations to optimize marketing efficiency, effectiveness and reporting. • Manage budget and expenses–provide timely and accurate estimates and ensure all approved spend is accurately tracked and reported. Qualifications & Requirements • Ability to plan, develop and implement comprehensive multi-channel marketing programs • Self-starter with proven ability to work collaboratively and with a sense of urgency • Excellent written and verbal communication skills • Clear thinker with strong project management, prioritization, and decision-making skills • Metrics-driven marketing mind with eye for creativity • Computer proficiency, including MS tools (specifically PowerPoint, Word and Excel, CoPilot • Attention to detail • Minimum 7+ years of marketing experience • Prior B2B financial services marketing experience • Familiarity with Salesforce.com, Pardot, Demandbase, and AI tools • Ability to track web metrics using Adobe Analytics • Experience with Agile methodologies Marketing Manager–Commercial and Business Banking (Continued) Education Bachelor’s degree required MBA or equivalent experience a plus Why Work with 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. Hours and Work Schedule Hours per Week: 40 Work Schedule: Monday-Friday 8:00AM-5:00PM in the Westwood MA office 4 days 1 day remote. Pay Transparency The salary range for this position is $150,000 - $200,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . #LI-Citizens2

Deliver trade and supply chain finance solutions, develop client relationships, and drive revenue growth. | 7+ years of trade finance experience, knowledge of trade finance products, understanding of credit and risk management, and strong communication skills. | Description Trade & Supply Chain Finance - Senior Sales Specialist The Trade & Supply Chain Finance Senior Sales Specialist delivers a variety of Trade solutions to clients, including Traditional Trade and Supply Chain Finance. This business development role incorporates client coverage responsibilities across multiple client segments and regions. As a senior Trade Sales Specialist, you will be the primary trade and supply chain finance product specialist covering corporate clients. Primary responsibilities include: • Act as an advisor, delivering Trade and Supply Chain Finance solutions to help clients better manage Trade and working capital flows. • Drive profitable revenue growth through expansion of existing client portfolio and new business development. • Partnering with banking Relationship Managers and Treasury Relationship Managers to identify opportunities and advance client strategy. • Build trusted client relationships, provide industry insights, and identify client needs. • Interface with internal partners such as Operations, Credit, Risk, Legal, Marketing, and Product teams. • Provide market feedback to internal business partners. • Lead the delivery of a seamless client experience. • Actively participate in the risk management process. • Identifytrends and opportunities by harnessing market knowledge, network, research, and client feedback. • Lead strategic sales initiatives / projects. • Mentor junior team members. Qualifications, Education, Certifications and/or Other Professional Credentials: • 7+ years of Trade Finance and Supply Chain Finance experience in a banking or financial services environment. • Established knowledge of Trade and Supply Chain Finance Products - Letters of Credit, Collections, Trade Receivables and Payables. • Understanding of and comfort with credit, risk management, the credit underwriting process, and documentation. • Understanding of technologies and operational processes that support and enable trade and supply chain finance. • Demonstrated ability to articulate and position working capital and trade finance concepts. • Demonstrated ability to work in cross functional teams. • Ability to identify and pursue revenue opportunities through data-driven analysis, including cross-sell strategies. • Strong analytical capabilities. • Adept at client call preparation, research, and management of deals teams and process. • Strong communications skills. • Strong work ethic; self-motivated, passionate, and driven to achieve results. • Team player who can thrive in a collaborative environment. • Ability to travel to see clients as needed, up to 50%. Education • Bachelor's Degree required • Master's Degree preferred Pay Transparency The salary range for this position is $180,000 - $220,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity 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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Education:Why Work for UsEmployment Type: 1ST