tain perspective. It is so easy to feel
overwhelmed when facing challenging underwrites and deadlines rather
than taking things one step at a time.
More often than not, things tend to
work themselves out and the elevated
stress levels prove unwarranted. In
those cases when the high stress is
absolutely warranted, finding a little
time with friends and family to maintain perspective goes a long way to
meeting the professional challenges
as well as maintaining a strong work
One other piece of professional
advice that I would give myself would
be to focus more on network development earlier. Although my network
has expanded over the years through
my membership in the New England
Chapter of the CFA as well as through
experiences on many transactions, I
recognize that my network could be
stronger at this point in my career and
for a younger professional, more focus
on building a strong network earlier
could lead to additional professional
What roles has mentoring played in
your career, what is the best professional advice you have been given,
and how have you implemented it?
I have been very fortunate to have
had several key mentors throughout
the years, which, combined with great
colleagues in general, are the primary
reasons I have been with Citizens Business Capital for my entire career. The
best professional advice I was given
very early in my career, in addition to
obtaining ABL experience, was to be
inquisitive, absorb as much information as I can, and always strive to
continue learning. It can be challenging to do this on every transaction
opportunity due to the tight deadlines
that we all operate under, but doing so
not only ensures that credit risks are
properly identified and mitigated for
the current opportunity being evaluated, but expands your knowledge base
to better prepare you for the next one.
I really appreciate the mentors I’ve
been lucky to have had throughout my
career, and try to pay it forward with
guidance and as a sounding board for
younger colleagues on our team.
Is there a piece of professional advice
that you would give yourself if you
could go back in time?
The biggest piece of advice that I
would give myself if I could go back
in time, and which I have to remind
myself often with only mixed success,
is to keep priorities straight and main-
rian is a senior vice president for Citizens Business Capital’s underwriting
team. His primary responsibilities include completing due diligence and
documenting ABL transactions for new client acquisitions.
Brian joined Citizens Bank in 2000 and completed the Credit Analyst
Training Program. In 2001, he joined the Business Capital group as an analyst. After gaining further experience as a portfolio manager, Brian moved
into underwriting in 2006.
Brian received his Bachelor degree in management with concentrations in finance
and accounting from Boston College in 2000.
Brian, his wife Carolyn and daughter Sophia reside in Redding, CT, where they enjoy
gatherings with friends and family, swimming and golfing as the seasons permit, and
most of all playing all kinds of crazy games that Sophia creates.
Senior Vice President
Citizens Business Capital
How did you wind up in the industry?
s I was completing col-
lege, I interviewed for a
number of positions in
financial services. I knew
that I wanted to remain in
Boston, and Citizens was a
great fit as it was an exciting time for
the bank with the recently announced
acquisitions of the US Trust and State
Street Bank commercial lending
portfolios. While in the Credit Analyst
Training Program, I was advised to
complete a rotation within the asset-
based lending group since under-
standing ABL is a great foundation for
all lending groups within the bank,
providing a deep dive into credit
analysis. I took that advice and, after
receiving a full time offer upon gradu-
ating from the training program, have
been part of the Citizens Business
Capital team ever since.