Commercial Banking Relationship Manager - Technology

Citizens Financial Group • San Francisco, CA

1d

About The Position

The Commercial Banking Relationship Manager - Technology serves as the central contact for clients, coordinating the delivery and maintenance of a wide range of bank products and services through collaboration with internal partners. The role acts as a trusted advisor to clients’ executive management teams and focuses on core to upper middle-market clients within the Middle Market team. It is suited to a seasoned banker experienced in complex corporate structures, sophisticated financing, Treasury collaboration, and capital markets needs.

The position centers on relationship building, idea generation, strategic business discussions, risk management, credit structuring, and industry insights. The Relationship Manager manages a portfolio of credit and non-credit relationships of varying size and complexity and actively covers prospective clients to achieve new-client acquisition goals and generate incremental margin and fee-based revenue. This includes sales of credit and non-credit ancillary products, including the Bank’s capital markets products and services.

The incumbent brings significant credit expertise, quickly interprets financial statements and credit issues, and applies strategic thinking across diverse sectors. The Relationship Manager works with Portfolio Management and Credit to serve client needs, expand relationships, and grow the portfolio.

Requirements

• At least 12 years of relevant industry experience.
• Demonstrated success soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings, including complex transactions.
• Ability to handle difficult and sensitive client relationships and conduct challenging negotiations.
• Independent thinker and self-starter with strong sales and excellent credit skills.
• Highly skilled in financial modeling and able to structure credit appropriately in a modeling environment.
• Ability to independently assess business risk, considering capital structures and industry nuances.
• Highly developed communication skills and ability to persuasively present ideas and influence others to gain commitment and agreement.
• Enthusiastic, resilient, and energetic.
• Bachelor’s degree required.

Nice To Haves

• Formal commercial credit training.
• Master’s degree.

Responsibilities

• Serve as the central contact for clients and coordinate delivery and maintenance of bank products and services.
• Act as a trusted advisor to clients’ executive management teams.
• Manage a portfolio of credit and non-credit relationships of varying size and complexity.
• Actively cover prospective clients and achieve new-client acquisition goals.
• Generate incremental margin and fee-based revenue through credit and non-credit product sales, including capital markets products and services.
• Build relationships, generate ideas, and lead strategic business discussions.
• Manage risk and structure credit, including sophisticated and complex financings.
• Delegate to and work closely with Portfolio Management and Credit to serve clients, expand relationships, and grow the portfolio.
• Plan, organize, and manage deal teams, including relevant product partners, to develop value-added approaches for clients and prospects.
• Handle sensitive client relationships and negotiate transactions through deal-winning and legal documentation.

Benefits

• Competitive pay
• Comprehensive medical coverage
• Dental coverage
• Vision coverage
• Retirement benefits
• Maternity and paternity leave
• Flexible work arrangements
• Education reimbursement
• Wellness programs
• Paid time off policy exceeding mandatory paid sick or paid time-away policies in every local and state jurisdiction in the United States

What This Job Offers

• Job Type: Full-time
• Career Level: Senior