Commercial Operations Loan Closer - Complex Loan Specialist

About the Role

Citizens is seeking a skilled Commercial Operations Loan Closer to join our team. As a Commercial Operations Loan Closer, you will be responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with the Citizens credit approval policy.

You will be a critical member of the commercial client relationship team, responsible for accurately booking loans into the loan accounting system, performing appropriate due diligence tasks, reviewing operational risk components, and ensuring conditions are met prior to closing or funding a loan with a particular focus on C&I financing.

Main Responsibilities:

• Knowledge of Federal regulations, loan documentation terms and conditions, including credit agreements, notes, guarantees, and collateral.
• Ensure loans are closed and documented in accordance with the Citizens credit approval procedure.
• Accurately book the loan to the loan accounting system.
• Manage a loan pipeline of 25-30 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, lie positions, and title work.
• Reconcile Loan Accounting Recon account for assigned loans.
• 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 (KPIs).
• Provide exceptional customer service while adhering to Bank policies and controls and regulatory requirements.