DescriptionThe Commercial Real Estate Credit Analyst will conduct detailed research and analysis of market data, trends and other factors related to the financing that will be considered as part of credit decisions. The individual will support a team of Portfolio Managers and Relationship Managers to understand and apply credit policy and field questions related to financial analysis and interpreting financial statements. Successful Credit Analysts become well-positioned for a promising career in Commercial Credit and are equipped with the fundamentals of underwriting, which will be transferrable to a wide range of opportunities.A Day in the Life of a Corporate Banking Credit AnalystConduct written summaries of related industry and market environments, preliminary customer/prospect analysis including Sponsor analysis, and Borrower's operating history and repayment capacityIdentify situations that may require policy exceptions and make recommendations that mitigate credit risks or remedy possible exceptionsCommunicate internally as well as with customers directly on financial analysis or account management issuesInteract directly with Portfolio Managers and Relationship Managers and to answer questions related to financial reporting requirements, interpreting financial statements from other Credit Analysts and maintaining credit filesParticipate in the underwriting process and conduct accurate, well organized analysis of various commercial borrowers including financial statement and projection analysis along with preparing profitability, risk and facility rating modelsWhat we have to offer:Formal training, strategies and tools to support personal growth and the development of strong team relationshipsPerformance-based career growth opportunities and the opportunity to become a future leader in the Commercial Credit spaceCollaborative workforce committed to supporting ideas and feedback and accelerating potentialTeam atmosphere of diverse, inclusive professionals committed to making an impact as an organizationOpportunities to volunteer and give back to our local communitiesQualificationsEquivalent work experience or completion of formal credit training program and up to 2 years of applied financial analysis working with straight forward to moderately complex credits in a commercial banking environment is strongly preferredBachelor's degree is required1-3 years of commercial banking experience is preferred. Commercial Banking experience may include internships, formal credit training, business banking, middle market, and/or specialty commercial banking, commercial banking administration, commercial banking operations, commercial credit/risk oversight, and commercial loan documentation/funding/servicing or other relevant experience.Position requires basic internet search skills, developed knowledge of financial statement spreading and profitability modeling, effective verbal and written communications skills, ability to manage multiple priorities at onceHours & Work ScheduleHours per Week: 40Work Schedule: Monday - FridayWhy Work for UsAt 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.Equal Employment OpportunityCitizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived 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.Equal Employment and Opportunity Employer/Disabled/VeteranCitizens is a brand name of Citizens Bank, NA and each of its respective affiliates.