Full-Time
Head of Business Credit Services
Business Banking
Posted on 9/9/2025
Citizens Financial Group
51-200 employees
Middle-market M&A advisory for strategic transactions
No salary listed
United States
In Person
US Citizenship Required
 Finance & Banking (2) |
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- Proven leadership in credit operations, underwriting, or portfolio management within a commercial or business banking environment.
- Strong understanding of credit risk frameworks, regulatory requirements, and operational controls.
- Experience managing large teams and driving enterprise-wide initiatives.
- Strategic thinker with strong execution capabilities and stakeholder management skills.
- Bachelor’s degree required; advanced degree or certifications in finance, credit, or risk management preferred.
- Develop and execute short and long-term strategies to optimize credit delivery, improve operational efficiency, and support revenue growth across Business Banking.
- Lead the transformation of credit operations through centralized underwriting and portfolio management, enabling consistent and scalable credit decisions.
- Drive the change agenda for Business Credit Services, partnering across enterprise functions to ensure seamless execution and integration.
- Define and manage the credit risk appetite for Business Banking, ensuring alignment with enterprise risk frameworks and regulatory expectations.
- Oversee execution of the credit model across channels, including scored, streamlined, and full underwriting processes.
- Ensure strong risk controls and compliance with internal policies and external regulations.
- Champion initiatives that enhance the customer experience through efficient credit delivery and proactive portfolio management.
- Collaborate with sales, treasury, and digital teams to deliver integrated credit solutions tailored to client needs.
- Lead a geographically dispersed team of credit professionals, fostering a culture of accountability, innovation, and continuous development.
- Build leadership bench strength and succession planning through coaching, mentoring, and performance management.
- Manage expense budgets for Business Credit Services and contribute to revenue and loan loss forecasting.
- Support capital planning and resource allocation to align with strategic priorities and growth targets.
- Advanced degree or certifications in finance, credit, or risk management preferred.
Citizens M&A Advisory helps middle-market firms, private equity sponsors, and private owners with buy-side and sell-side mergers and acquisitions, plus other strategic deals. It uses sector expertise in technology, healthcare, and digital infrastructure, supported by Citizens Bank’s resources and by strategic hires like DH Capital. The team guides clients through a structured process—from goal setting to identifying targets or buyers, negotiating terms, and closing with bank support. Its approach combines client relationships, sector intelligence, and coordinated advisory across deals to align with clients’ strategic and financial objectives.
Company Size
51-200
Company Stage
IPO
Headquarters
Providence, Rhode Island
Founded
1828
Simplify's Take
What believers are saying
- Matrix Capital Markets Group acquisition enhances middle-market M&A and financial advisory capabilities.
- Closed 6 commercial services transactions through September 2025, showing strong deal flow.
- CEO Bruce Van Saun sees CRE opportunities beyond offices and M&A readiness.
What critics are saying
- Integration failure of 5 boutiques erodes talent and deal execution in 6-12 months.
- KeyBanc and Fifth Third outperform Atlanta and Cleveland offices in middle-market deals.
- High interest rates suppress M&A volumes, hitting sell-side advisory ongoing.
What makes Citizens Financial Group unique
- Citizens M&A Advisory specializes in relationship-driven sell-side and buy-side services for middle-market companies.
- Deep sector expertise in technology, healthcare, and digital infrastructure from DH Capital acquisition.
- Comprehensive services include M&A advisory, valuation, and forensic analysis via Willamette Management.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Parental Leave
Flexible Work Hours
Tuition Reimbursement
Wellness Program
Paid Vacation
Paid Sick Leave
Company News
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Citizens Financial Group reported fourth-quarter earnings per share of $1.13, up 36% year-over-year, with net interest margin expanding seven basis points sequentially to 3.07%. Net interest income rose 3% quarter-over-quarter, driven by fixed-rate asset repricing and lower funding costs. The bank's private bank posted strong growth, ending the year with $14.5 billion in deposits and contributing $0.28 to full-year EPS. Wealth revenue increased 31% year-over-year to a record quarter, whilst capital markets delivered its third-best quarter ever. For 2026, Citizens guided to net interest income growth of 10–12%, non-interest income up 6–8%, and planned share buybacks of $700–850 million. The company launched its "Reimagine the Bank" initiative, targeting $450 million in run-rate benefits by end-2028.
Citizens Financial Group reported fourth quarter 2025 net income of $528 million, up 32% year-over-year, with earnings per share of $1.13, up 36%. The Providence, Rhode Island-based bank achieved positive operating leverage of 5% in Q4 and returned 80% of capital to shareholders for the full year. The company's Private Bank reached $14.5 billion in year-end deposits, delivering 7% accretion to the bottom line at a 25% return on equity. Fee growth was led by Capital Markets and Wealth divisions, whilst credit costs trended favourably. Citizens' board declared a quarterly dividend of $0.46 per share, payable on 18 February 2026. As of 31 December 2025, the bank held $226.4 billion in assets.