Sr Private Bank Loan Closer

About the role

At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. In the Senior Private Bank Closer role, you will be a critical member of the team responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with credit approval. You will accurately book and disburse loans, perform due diligence tasks, ensure operational and regulatory risk adherence, and confirm conditions precedent are met prior to closing. The role focuses on supporting the Private Bank with Commercial Real Estate (CRE), C&I, and other niche financing needs. As part of the Commercial Loan Operations team, you will need strong verbal and written communication skills to interact efficiently with internal business partners, legal counsel, and clients, and act as a subject matter resource to other loan closers. At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to 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.

Responsibilities

• Serves as a senior loan closer and subject matter resource for other loan closers on the team.
• Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements.
• Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure.
• Accurately prepares loan documentation for closing via Laser Pro.
• Accurately book complex loans to the loan accounting system.
• Successfully manage a loan pipeline of 25 transactions: communicating clearly and timely to partners and customers on status and conditions.
• Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.
• Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, insurance, UCC filings and positions, and title work.
• Possess strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients.
• Manage and clear post-closing legal documentation exceptions in compliance with bank policy.
• Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).
• Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.
• Ability to maintain a flexible work schedule to meet the needs of business partners.

Qualifications

• 5+ years of relevant experience in commercial loan closing with knowledge of CRE and C