Commercial Banker Development Program – Commercial Lending and Credit

Job Description

2027 Commercial Banker Development Program Associate | Citizens

The Tone:
This is a full-time, early career role at Citizens, initially involving four weeks of immersive classroom training in Boston, MA, before transitioning to a full-time Credit Analyst position in Chicago, IL. Citizens is a leading financial institution dedicated to providing comprehensive financial solutions and support to its commercial clients across various industries. This program is designed to cultivate the next generation of leaders within Citizens Commercial Banking, offering a robust foundation in commercial lending and credit. The role matters significantly as participants will develop the essential technical, analytical, and professional skills required to evaluate credit risk, support critical lending decisions, and manage client relationships, ultimately contributing to the bank’s mission of delivering financial solutions.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: In-person, Chicago, IL
• Pay: $38.46 hourly
• Team: Supports Portfolio Managers and Relationship Managers
• Mission: To build a strong foundation in commercial lending and credit, enabling informed lending decisions and effective client relationship management within Citizens Commercial Banking.
• Tech Stack: MS Office (Word, Excel, PowerPoint)

What You’ll Actually Do
• Successfully complete the rigorous accounting curriculum and examinations to meet program continuation requirements.
• Actively participate in all training sessions, workshops, and developmental activities, completing all assigned coursework and independent study.
• Analyze financial information and prepare comprehensive Credit Proposal Summaries for commercial banking clients, demonstrating program proficiency.
• Develop expertise in commercial credit, underwriting, and financial analysis through hands-on application and practical learning experiences.
• Uphold professional standards, accountability, and a collaborative spirit while committing to continuous learning and career launch with Citizens.

The Must-Haves
• Background: Undergraduate or graduate student graduating between Winter 2026 and Spring 2027 with a minimum GPA of 3.2.
• Experience: Relevant work experience, leadership experience, or coursework. Must be a U.S. Resident with permanent authorization to work in the U.S., as U.S. immigration sponsorship or work visa is not available for this program.
• Skills: Strong analytical skills and proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
• Bonus: Preferred cumulative GPA of 3.5 and coursework in Finance, Accounting, or Economics. Desired skills include Financial Modeling/Excel, understanding of Commercial Loans, Curiosity, knowledge of Finance and Accounting Trends, the ability to leverage information, Persistence and Tenacity, and being Process-Oriented.