Primary responsibilities include
- Pipeline Management & Optimization: Oversee the residential lending pipeline, ensuring efficient loan processing from application to closing. Proactively identify and address bottlenecks, implement process improvements, and monitor key performance indicators (KPIs) to maximize productivity and meet service level agreements.
- Complex Deal Underwriting: As needed, personally handle the more complex and challenging loan applications, leveraging advanced underwriting expertise to assess risk and make sound lending decisions. Provide guidance and support to team members on structuring complex deals.
- Team Leadership & Mentorship: Provide day-to-day supervision, training, coaching, and mentorship to Residential Lending Specialists. Foster a positive and collaborative team environment, promoting continuous learning and professional development.
- Escalation Point & Problem Solver: Serve as the primary point of contact for escalated pipeline issues, providing timely and effective solutions to resolve complex problems and remove roadblocks. Proactively identify and mitigate potential risks.
- Collaboration & Communication: Effectively collaborate with internal partners, including sales, processing, and closing teams, to ensure seamless loan transactions. Maintain open communication with stakeholders, providing regular updates on pipeline status and key initiatives.
- Performance Reporting & Analysis: Monitor and analyze key performance metrics, providing regular reports to management on pipeline activity, loan quality, and team performance. Identify trends and opportunities for improvement.
- Strategic Initiatives: As needed, contribute to the development and implementation of strategic initiatives to enhance the residential lending platform, improve efficiency, and drive business growth.
Qualifications, Education, Certifications and/or Other Professional Credentials
5–10 years of progressive residential real estate underwriting experience, including expertise in complex lending scenarios, required.
5+ years of direct people leadership experience, with demonstrated success leading and developing residential lending professionals, required.
Bachelors Degree Required
Experience supporting Private Banking and/or high-net-worth (HNW) clients and complex residential lending needs strongly preferred.
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: M-F 8:00-5:00
Pay Transparency
The salary range for this position is $187,000.00 - $229,000.00 per year, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide 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, 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 all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Equal Employment and Opportunity Employer
Job Applicant Data Privacy Policy
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.
Citizens Boston, Massachusetts, USA Office
28 State St, Boston, MA, United States, 02109
Citizens Dedham, Massachusetts, USA Office
Dedham, United States
Citizens Westwood, Massachusetts, USA Office
Westwood, United States
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