Description Job Summary Citizens Bank is seeking a highly motivated and detail-oriented professional to join our Asset Management team within the Asset Finance Division. The role supports new business volume and profitability goals by providing competitive residual assessments based upon technical expertise, market knowledge, and sound business judgment. Primary focus of the role will be on transportation and general business equipment – trucks, trailers, warehouse equipment, etc. The Asset Manager position will be responsible for maximizing asset values through strategic lease terminations, sales to lessees or third parties. In addition, the role will maintain any assets in inventory and monitor existing residual positions for appropriateness on an on-going basis. Key Responsibilities The position will have the following responsibilities and will be accountable for the following : + Develop and defend residual and collateral value forecasts for proposed asset finance transactions based on sound research, analysis, judgment, and documentation. + Maximize portfolio value through early lease terminations, end-of-term sales, and third-party remarketing. + Properly safeguard (e.g., inspections/insurance) any returned equipment and ensure conformity with lease return provisions. + Deliver timely and accurate asset evaluations, annual reviews, and appraisals. + Establish and manage relationships with external appraisal firms and industry experts. + Assess current market trends and evaluate impacts on assigned asset classes. + Monitor and report on asset quality to senior management to measure portfolio soundness and to facilitate syndication strategies. + Recommend market-competitive return conditions and asset documentation standards for new transactions. + Evaluate and execute on the remarketing of returned or assets in inventory. + Minimum of 2 years of experience in the equipment finance industry with a strong knowledge of lease structures, and/or experience valuing various equipment assets. + Bachelor’s degree in Engineering, Finance, Accounting, Economics, or a related field. + Bank or commercial finance company experience a plus. + ASA or AMEA appraiser certification preferred. + Proven expertise and knowledge in a wide variety of equipment types. + Experience in asset sales and remarketing. + Knowledge of lease documentation and asset due diligence. + Advanced proficiency in Microsoft Excel, Word, and PowerPoint. + Excellent interpersonal and presentation skills with an ability to express ideas in a persuasive, organized, and articulate manner. + A proactive, results-driven approach to problem solving. + Strong organizational and analytical skills with a focused attention to details. + Ability to manage multiple priorities in a fast-paced, deadline-driven environment. + Self-motivated, confident, and decisive with a demonstrated ability to work independently. Qualifications Hours and Work Schedule Hours per Week: 40 Work Schedule: Monday – Friday Pay Transparency The salary range for this position is $105,000 - $130,000 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, 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . 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. 10/26/2025