Sr. Real Estate Risk Reviewer

Senior Risk Reviewer

Perform independent commercial real estate appraisal reviews on high complexity / risk properties. The Senior Risk Reviewer will be assigned to larger exposure, more complex collateral typically resulting in greater risk to Citizens, whereby the reliance on experience is critical to identify major issues to protect the bank's collateral position. Ascertain compliance of appraisal reports with the applicable Citizens scope of work and federal regulatory requirements and guidance including, but not limited to : Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA; 12 USC 3331, et seq.) and the implementing regulations promulgated thereunder by the Office of the Comptroller of the Currency (OCC) at 12 CFR Part 34 ("Real Estate Lending and Appraisals") "Uniform Standards of Professional Appraisal Practice" (USPAP); "Interagency Appraisal and Evaluation Guidelines" ("Interagency Guidelines"), dated December 2010, issued by OCC as periodically supplemented by Financial Institution Letters; and, "OCC Comptroller's Handbook : Commercial Real Estate Lending," by the OCC, dated August 2013 (OCC Bulletin 2013-19).

Manage risks associated with the commercial real estate appraisal and evaluation process for a given geographic market and / or assigned lending groups. Supervisory responsibilities may include administrative supervision and required process oversight, including adherence to internal policies and procedures to ensure regulatory compliance and appraisal industry requirements for assignments. Real estate risk identification, quantification and consulting (including discounted cash flow (DCF) analysis) for the various commercial lending and credit functions throughout Citizens. Perform independent commercial real estate appraisal reviews of high complexity / risk properties including memorializing such review in a comprehensive written format for the benefit of internal customers (Relationship Managers / Portfolio Managers; Credit Officers); Assist in the scoping and engagement of commercial appraisal / evaluation assignments, including third-party vendor selection, analysis type, report content, report format and contract authorization in accordance with policies and procedures. Interact with senior management of Wholesale Credit Risk and Commercial Lending regarding projects especially for those properties that represented a higher degree or real estate risk or otherwise have identified appraisal issues or concerns. Manage vendor relationships. Provide direct, responsive customer service to external vendors and internal customers (i.e., Relationship Managers / Portfolio Managers; Credit Officers) that RERS supports and serve as the primary liaison and point-of-contact with both internal customers and external vendors regarding regulatory requirements, identification and explanation of any issues of concern, and development / application of any potential risk mitigants.

Critical Skills : Risk Assessment, Regulatory Environment, Due Diligence, Critical Thinking, Analytical Reasoning, Building Relationships, Communicating Effectively, Advising, Risk Exposure Calculation

To thrive as a colleague at Citizens, candidates must demonstrate a strong customer-centric mindset, exhibit persistence and resilience in the face of challenges, and embrace continuous learning to adapt and grow in a dynamic environment.

Qualifications : 10+ years' experience in diversified commercial appraisal experience and / or appraisal review positions. May either maintain or be pursuing their (MAI) designation. Thorough knowledge of real estate appraisal and valuations techniques as well as local, regional and national real estate market understanding. Self-motivated and disciplined. Ability to work autonomously with limited direct supervision. Excellent written and verbal communication skills. Thorough understanding of USPAP, FIRREA and Interagency Appraisal and Evaluation Guidelines. Strong working knowledge of PCs; Word, Excel and Access skills preferred. Strong analytical and organizational skills. Strong oral and written communication skills. Ability to work as a team player. Ability to manage numerous projects simultaneously. Flexibility and willingness to assume responsibilities for projects and tasks as assigned.

Education, Certifications and / or Other Professional Credentials : Bachelor's Degree or Greater is required. Certified General Real Estate Appraiser or equivalent appraisal experience. MAI preferred.

Hours & Work Schedule : Hours per Week : 40+ Work Schedule : M-F 8-5. This position will work 4 days in office.

Pay Transparency The salary range for this position is $90,640-$135,960 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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 .

Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position. 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) 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.

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. 09 / 30 / 2025