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Citizens Financial Group - San Francisco, CA

posted about 1 month ago

Full-time - Senior
San Francisco, CA
Management of Companies and Enterprises

About the position

The Relationship Manager (RM) is the central contact person for Middle Market and Emerging Markets clients and is responsible for representing Citizens Bank well in the Community. He/she will be the Relationship quarterback and be responsible for the delivery and maintenance of a wide array of diverse bank products and services through cross-sell partners and acts as a trusted advisor to the client's executive management team. Must have a strong credit background and be able to represent client's needs internally to deliver appropriate credit solutions that satisfies the client and meets the Bank's risk appetite. Within the Middle Market/Emerging Markets team, the Relationship Manager will focus on companies with annual revenue between $25 -$500 million and will be responsible for managing credit-based relationships. Independent worker and excellent collaborator. Must be able to identify opportunities that will solve the client's needs and importantly, articulate the Bank's full capabilities and interact at the CEO/Owner level to conduct strategic level conversations. The role will focus its efforts on California.

Responsibilities

  • Relationship building, idea generation, strategic business discussions, risk management, credit structuring, industry observations, and other matters of elevated importance.
  • Identify opportunities that will solve the client's needs and articulate the Bank's full capabilities.
  • Interact at the CEO/Owner level to conduct strategic level conversations.
  • Active market coverage of prospective clients to achieve new client acquisition goals.
  • Generate new and incremental margin and fee-based revenue from both credit and non-credit ancillary product sales.
  • Highly experienced in credit matters, able to read, interpret, and understand financial statements and credit issues quickly.
  • Strategic thinking to add value to a diverse set of companies within the portfolio.
  • Delegate and work closely with the Portfolio Management team to proactively serve the needs of the clients.

Requirements

  • Minimum of 10+ years of relevant industry background including combined experience in Commercial Banking and Middle Market Business Management.
  • Successful history and experience in the Northern, CA market.
  • History of competency and success in 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 tough negotiations.
  • Independent thinker and self-starter with strong sales skills and excellent credit skills.
  • Highly skilled in financial modeling and able to appropriately structure credit in a modeling environment.
  • Independently assess business risk, considering capital structures and industry nuances.
  • Plan, organize, and manage a deal team to determine value-added approaches to clients.
  • Highly developed communication skills and ability to influence others.

Nice-to-haves

  • Master's Degree preferred.
  • Willingness to obtain FINRA Licensing (Series 79, 63, SIE) if not already licensed.

Benefits

  • Competitive pay
  • Comprehensive medical, dental and vision coverage
  • Retirement benefits
  • Maternity/paternity leave
  • Flexible work arrangements
  • Education reimbursement
  • Wellness programs
  • Paid time off policy exceeds mandatory requirements.
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