Theodore Swimmer is Executive Vice President and Head of Commercial Banking at Citizens Financial Group, Inc., a leading regional bank serving businesses across the United States. In this role, he oversees the strategic direction, growth, and operations of the commercial banking division, managing a portfolio that includes middle-market lending, treasury management, capital markets, and customized financial solutions for corporate clients. Swimmer's leadership emphasizes client relationships, risk management, and innovative banking products to support business expansion in dynamic economic environments. With more than 25 years of experience in commercial banking, Swimmer joined Citizens in 2021 from KeyCorp, where he served as Managing Director and Head of Middle Market Banking for the Northeast Region. There, he led a high-performing team that expanded loan commitments by over 30% in three years while navigating market volatility. His earlier career featured progressive leadership positions at PNC Bank and JPMorgan Chase, where he specialized in credit origination, portfolio management, and regional growth strategies, consistently delivering double-digit revenue increases. Swimmer's notable achievements include guiding teams through the 2008 financial crisis with minimal losses and driving multimillion-dollar deals that strengthened client portfolios. At Citizens, he has accelerated the bank's national commercial footprint, forging strategic partnerships and enhancing digital capabilities to meet evolving client needs. Recognized as a thought leader in middle-market banking, Swimmer is committed to fostering inclusive growth and community impact through responsible lending practices.