Loan Servicer III Commercial Operations

About the job

At Citizens, we work together to make a difference for our clients, colleagues and communities through teamwork, accuracy and a shared commitment to delivering exceptional results.

As the Commercial Operations Loan Servicer III (Financial Statement Spreading), you will play an important role in supporting the Commercial Banking credit process by analyzing financial statements and accurately capturing borrower financial information within established financial spreading systems. You will review and interpret financial statements, classify and reconcile financial data, perform quality-control reviews, and ensure financial information is accurately reflected in accordance with established spreading conventions and bank standards.

You will thrive in this role through your knowledge of accounting and financial statements, strong analytical skills, attention to detail, and ability to manage multiple priorities in a deadline-driven environment. You will be expected to work independently, exercise sound judgment when reviewing financial information, identify discrepancies or information requiring clarification, and provide guidance to less experienced team members.

Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally.

Primary responsibilities include

• Analyze borrower financial statements and supporting documentation and accurately spread financial information into applicable financial analysis systems.
• Review and classify balance sheet, income statement, and other financial information in accordance with established financial spreading conventions.
• Perform quality-control reviews and reconcile financial information to source documentation to ensure accuracy, completeness, and consistency.
• Process annual, interim, year-to-date, and other applicable financial statement periods.
• Review financial information for discrepancies, missing information, mapping issues, or other items requiring additional research or clarification.
• Support the preparation of financial information used for credit decisions, annual reviews, covenant monitoring, risk analysis, and ongoing portfolio management.
• Manage assigned financial spreading requests and prioritize work to meet established service expectations and business needs.
• Maintain accurate records and documentation related to completed financial spreading activity.
• Partner with Commercial Banking, Credit, and other business stakeholders to resolve questions and deliver accurate and timely financial information.
• Provide guidance and support to less experienced colleagues and contribute to consistent application of established processes and standards.

Qualifications, Education, Certifications and/or Other Professional Credentials

Required Qualifications

• High School Diploma/GED or comparable experience.
• Experience reviewing, analyzing, or working with financial statements, accounting information, commercial credit, lending, or a related financial-services function.
• Working knowledge of balance sheets, income statements, cash flow concepts, and fundamental accounting principles.
• Strong analytical, reconciliation, and problem-solving skills.
• Strong attention to detail with a demonstrated commitment to accuracy and quality.
• Ability to independently manage multiple assignments, priorities, and deadlines.
• Strong written and verbal communication skills.
• Ability to identify discrepancies and appropriately research or escalate issues.

Preferred Qualifications

• Bachelor’s degree in Accounting, Finance, Business Administration, or a related field.
• Experience within Commercial Banking, commercial credit, underwriting, financial analysis, or commercial loan operations.
• Prior experience performing financial statement spreading or financial statement analysis.
• Experience working with financial spreading, credit analysis, workflow, or case-management applications.
• Knowledge of commercial credit processes and financial spreading conventions.
• Experience reviewing complex borrower financial statements, tax returns, or supporting financial schedules.

Hours & Work Schedule

• Hours per Week: 40 Hrs
• Work Schedule: Monday–Friday

About Us

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.

Additional Information

• Job Identification: 49960
• Job Category: Servicing & Operations
• Posting Date: 2026-10-23
• Job Schedule: Full time
• Locations: One Citizens Bank Way, Johnston, RI, 02919, US ()
• Working Hours: 40
• Career Site Category: Operations