James O'Connor Jr. has been appointed senior vice president and senior relationship manager in Citizens Bank's commercial real estate finance department. O'Connor is a 27-year veteran banking executive who has worked for First Union, Fleet Financial Group, SouthTrust Bank and First Horizon National Corp. He most recently was a senior vice president at Regions Financial Corp. O'Connor received his bachelor's degree in marketing from Florida State University. He is a visible community ambassador, volunteering with such groups as the United Way, Habitat for Humanity, The Music School in Providence, the R.I. Zoological Society, and various other professional organizations.