What are the responsibilities and job description for the Real Estate & Insurance Risk Reviewer position at Citizens?
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.
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
Posting End Date: 07/21/2025
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.
- 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.
- Bachelor's Degree preferred
- Hours per Week: 40
- Work Schedule: Monday-Friday
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
Posting End Date: 07/21/2025
