Description

The Credit Products Manager I (CPM) is an integral member of the Market Sales Team and will partner with Sales Managers, Relationship Managers, Team Leaders, Portfolio Managers and Underwriting to deliver a world class end-to-end credit experience for our clients. Responsible for ensuring that Credit Origination activities are driven by consistent standards of Client Selection. CPM's support the Sales teams in all aspects of the Credit process.

Primary responsibilities include:

• Coach and assist Sales teams in all aspects of the Credit process: including needs analysis, screening loan requests, credit analysis, credit structuring, pricing, negotiations, and credit training of sales colleagues

• Accountable for growth in loan balances, loan production, pull-through-yield and loan quality

• Responsible for driving positive Customer selection, and insuring an appropriate balance of risk and reward to the Business Line

• Coach, train and provide guidance to associates to insure consistent execution of credit policy, and risk and strategies across the footprint

• Elevate the performance of Sales teams in the delivery of credit products

• Serves as subject-matter expert on Business Credit Services processes and procedures, and effectively applies that knowledge

• Responsible for driving client selection in accordance with the Business Line's credit risk strategy and to ensure an appropriate balance of risk and reward

  Required Skills/Experience:

• 5-10 years in Credit origination position

• Highly motivated and team-oriented

• Solid communication skills, able to articulate effectively via email and phone communication is essential

• Able to provide exceptional customer service and to effectively communicate with customers, colleagues, and with all levels of management

• Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment

• Able to work in a collaborative team environment

• Ability to learn department computer applications and systems

  Education:

• Bachelor's Degree required, Master's Degree preferred

  Hours and Work Schedule

  Hours per Week: 40

  Work Schedule: 8:00am - 5:00pm; Monday - Friday

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), 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

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.