Description The Real Estate & Insurance Risk Reviewer will be the primary reviewer and point of contact with RMs/PMs in the completion of property insurance reports by external insurance risk vendors as required by Commercial Credit Policy including the identification and analysis of any material differences as compared to bank requirements. Direct interaction with RM/PMs and CLO as Subject Matter Expert in assisting them review a borrower’s property insurance package both on annual renewals and a transactional basis for those loans that do not require a formal external review. + Transactional oversight of property and casualty insurance applicable to commercial loans secured by real estate. + Documenting the adequacy of a borrower’s property insurance package and explaining the significance of any material inadequacies and coverage gaps to the RM/PM and Credit Officer. + Familiarity with federal flood regulations and willingness to conduct flood insurance reviews on a transactional basis including the review of private flood insurance policies for compliance with federal statutory requirements. + Periodic review and oversight of insurance standards, review checklists, etc. in conjunction with Corporate Insurance and CLO to ensure that they remain fit-for-purpose. Qualification: + 5+ years' experience in commercial lines with extensive knowledge of coverages and forms applicable to Property & Casualty (P&C). + Current, state-issued P&C Insurance License + Strong written and verbal communication skills + Appropriate insurance industry designations such as Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), associate in risk management (ARM), Accredited Advisor in Insurance (AAI), Certified Risk Manager (CRM) and/or Accredited Customer Service Representative (ACSR) (or ongoing pursuit of same) + Ability to interface with borrower insurance professionals in explaining the bank’s insurance requirements on a transactional basis. + Comfort in a high-volume, high-energy environment focused upon customer service and quick turnaround times. + Ability to multi-task and problem solve. Education: + Bachelor's Degree preferred Hours & Work Schedule: 2-3 days in the Johnston, RI office + Hours per Week: 40 + Work Schedule: Monday-Friday 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. 07/21/2025