What are the responsibilities and job description for the CML Field Examiner/Reviewer position at Citizens?
Description
The Commercial Field Exam team supports the underwriting of facilities to New/Existing borrowers, Renewals, Annual Reviews, and Special Requests. The Field Examiner will participate in on-site evaluation of an existing or prospective borrower’s books, records, and operations to ensure compliance with bank lending policies and procedures, assessing collateral adequacy and quality, by detecting changes in trends and identifying risks. The Field Examiner will assist in preparing a detailed report of significant exam findings for distribution to the bank. The ideal candidate will be an analytical problem solver who demonstrates excellent oral and written communication skills along with the capacity to work independently and with internal/external stakeholders.
Primary Responsibilities Include
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens), provides 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, transgendered and transitioning individuals, 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 colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.
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
The Commercial Field Exam team supports the underwriting of facilities to New/Existing borrowers, Renewals, Annual Reviews, and Special Requests. The Field Examiner will participate in on-site evaluation of an existing or prospective borrower’s books, records, and operations to ensure compliance with bank lending policies and procedures, assessing collateral adequacy and quality, by detecting changes in trends and identifying risks. The Field Examiner will assist in preparing a detailed report of significant exam findings for distribution to the bank. The ideal candidate will be an analytical problem solver who demonstrates excellent oral and written communication skills along with the capacity to work independently and with internal/external stakeholders.
Primary Responsibilities Include
- Performs in-depth analysis of overall financial condition of various companies/industries, identifying credit risks, trends, and deteriorating situations.
- Plays a key role in verifying both collateral value and existence with the primary focus accounts receivable and inventory.
- Effectively evaluates internal reporting systems and collateral reporting submitted to the Bank.
- Prepares a comprehensive and concise written report, inclusive of an Executive Summary, highlighting key examination issues, risks and recommendations (actions related to current and future monitoring of the credit such as appropriate formula advance rates and reserves).
- 3-5 years’ experience as a Field Examiner or Auditor (or similar role).
- Intermediate knowledge of credit agreements and asset-based lending fundamentals.
- Technologically Proficient in Data Analysis, Microsoft Excel, Word, PowerPoint and Outlook.
- Knowledge of data mining and audit software a plus.
- Excellent analytical, written, and verbal communication.
- Attention to detail.
- Ability to interact with all levels of management internally and externally.
- Ability to identify and solve problems.
- Ability to make sound recommendations.
- Self-motivated, well-organized individual.
- BS in Accounting, Finance, Economics, Business, or a related field.
- MBA, CPA, or CFE is a plus.
- Hours per Week:40
- Work Schedule: Monday-Friday
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens), provides 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, transgendered and transitioning individuals, 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 colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.
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
