2025 Commercial Banker Development Program Associate (Atlanta, GA)

Description

Start Date: June 26, 2025

Commercial Banker Development Program Overview

The Commercial Banker Development Program (CBDP) will include an upfront 4-month early career training program in Commercial lending. Specifically, you will spend 8 weeks in Boston in classroom training. The remainder of your training and full-time role will be based in Atlanta, GA. Citizens will provide housing in Boston, MA for the 8-week period. You will learn the basics of how we underwrite risk and provide solutions to our clients. The mission of the CBDP is to create the future leaders of Citizens Commercial Banking.

The CBDP includes a combination of classes, self-study, and systems training. Training encompasses a comprehensive curriculum of classes concentrating in accounting, financial and credit analysis, and high-level corporate finance. You will get exposure to a range of lending, banking products/services and support areas within the bank through focused training sessions with experts from the various lines of business. You will also have an assigned mentor and networking opportunities with senior leaders from various divisions that assist in advancing your career at Citizens. There will be opportunities to join in on Citizens' volunteer efforts that give back to our local communities.

Upon successful completion of the upfront training, you will assume the role of Credit Analyst and join the MidCorporate Underwriting and Portfolio Management team in Atlanta, GA within the Commercial Banking business line. A Commercial Banking Credit Analyst at Citizens conducts thorough research and analysis of market data, trends and other factors related to the financing that is a part of credit decisions. Supporting a team of Portfolio Managers and Relationship Managers, our credit analysts work together to understand and apply credit policy and field questions related to financial analysis and interpreting financial statements.

Job Responsibilities

The CBDP Associate is responsible for successfully completing all aspects of the program including:

• The Accounting session, complete with two exams; an average passing grade of 75% on both exams is required to proceed with the Program.
• Attend all classes and complete homework and other assignments as required.
• Demonstrate competence in materials presented and ability to successful complete a Credit Proposal Summary write-up on a typical bank client.
• Commitment to work at Citizens Bank following completion of the program.

Qualifications

• Successfully complete a video interview assessment within 7 days of receiving the link. If not completed within the timeframe, your application will be automatically withdrawn from consideration.
• Current students enrolled in an undergraduate bachelor's program, graduating between Winter 2024 - Spring 2025 OR current students enrolled in a graduate program, graduating between Winter 2024 - Spring 2025
• Minimum GPA of 3.2; Preferred cumulative GPA of 3.5
  • Please include your cumulative GPA on your resume.
• Relevant work experience, leadership experience or coursework in Finance, Accounting or Economics is preferred but all majors will be considered.
• Strong analytical skills and software skills: MS Office (Word, Excel, PowerPoint) proficiency is required.
• Candidates must currently be a U.S. Resident to be eligible for this program.
  • Please note that U.S. Immigration sponsorship or work visa is not available for intern / full time Analyst positions and candidates must have permanent authorization to work in the U.S

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

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

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.
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