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Citizens Bank Senior Credit Review Manager in Pittsburgh, Pennsylvania


The Senior Credit Review Manager is responsible for the independent evaluation of credit portfolios and credit risk management practices throughout the enterprise. Through the comprehensive analysis of highly complex individual credit transactions and business unit portfolios, this position evaluates loan quality and the effectiveness of credit risk management practices, identifies potential weaknesses and emerging trends, and incorporates findings and recommendations into written reports which are ultimately distributed to executive management and external regulatory bodies. The Senior Credit Review Manager is able to lead the most complex reviews with minimal management oversight, escalates risk concerns and issues as appropriate and ensures the lending area’s timely response and remediation. This position(is expected to assist) works with the Credit Review Business Unit Director in identifying strategic improvements and systemic emerging risks that bear monitoring, and is capable of fulfilling management responsibilities as necessary. Additional responsibilities Include:

Execute the Credit Review business plan by undertaking a comprehensive analysis of highly complex transactions/relationships/portfolios and applying expert judgment to formulate recommendations. and assess

  • Loan structure, quality and accuracy of underwriting, identification of key risks, and overall evaluation of the ultimate support of the credit decision rendered;

  • Accuracy of assigned risk ratings and proper model usage;

  • Compliance with established credit policies;

  • Evaluation of credit risk management practices

Lead a variety of highly complex portfolio reviews:

  • Confirm and finalize all recommendations and findings of the Credit Review Managers resulting from transactional/relationship/portfolio analyses;

  • Ensure all issues are fully vetted with line of business to ensure findings are factually accurate

  • Utilize influencing skills to resolve issues and agree to solutions prior to finalization of exam reports;

  • Ensure that business line responses are actionable and appropriate;

  • By applying expert judgment, evaluate management oversight process, assign overall credit management and asset quality ratings, and formulate recommendations to proactively reduce credit risk and potential losses.

  • Coordinate the individual files to be reviewed by Credit Review Managers, prioritize work-load and ensure report deadlines are met.

Act as a resource to the business line, other risk functions, and more junior Credit Review staff through:

  • Active participation in various forums including watched asset meetings, charge-off review meetings and various portfolio review meetings

  • Individual transactional rating and/or policy questions from relationship managers and credit officers

  • Providing detailed training to business line and other credit functions


  • Must have a minimum of 7 years prior work experience in a relevant credit risk discipline

  • Minimum of five years of direct Credit Review Experience

  • Advanced analytical, loan structuring, underwriting, credit, and administrative skills

  • Excellent organizational skills, ability to manage multiple projects and meet strict deadlines

  • Excellent verbal and written communication skills

  • Strong negotiation skills with ability to defend position in collaborative manner

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

  • Proven ability to work in a team environment, lead others, and appropriately prioritize workload


  • Bachelors Degree Required, Masters Degree Preferred

Hours & Work Schedule

Hours per Week: 40 Hours

Work Schedule: Monday through Friday


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.

Equal Employment Opportunity

It is the policy of Citizens Bank to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer/Disabled/Veteran

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