Middle Market Relationship Manager New England

Citizens Financial Group•New Haven, CT
•$170,000 - $270,000

About The Position

The Relationship Manager/Senior Relationship Manager is the central contact for clients, coordinating delivery and maintenance of a wide range of bank products and services with internal partners and serving as a trusted advisor to client executive management teams. Within the Middle Market team, the role covers clients from core to upper middle market. It is suited to a seasoned banker experienced in navigating complex corporate structures, structuring sophisticated financings, collaborating with Treasury Partners, and supporting clients’ capital markets needs. The role centers on relationship building, idea generation, strategic business discussions, risk management, credit structuring, and industry observations. The Relationship Manager manages a portfolio of credit and non-credit relationships of varying size and complexity and actively covers the market to acquire new clients and generate incremental margin and fee-based revenue through credit and ancillary product sales, including capital markets products and services. The position works with Portfolio Management and Credit to serve client needs, expand relationships, and grow the portfolio.

Requirements

  • Minimum of 8 years of relevant industry experience.
  • History of success soliciting, selling, developing, servicing, and structuring a broad range of secured and unsecured commercial financings, including complex transactions.
  • Ability to handle difficult and sensitive client relationships and tough negotiations, including negotiating to win deals and legally document transactions.
  • Independent thinker and self-starter with strong sales skills 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, taking capital structures and industry nuances into consideration as applicable.
  • 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 strongly preferred.
  • Master’s degree preferred.

Responsibilities

  • Serve as the central client contact and coordinate delivery and maintenance of bank products and services.
  • Act as a trusted advisor to client executive management teams.
  • Manage a portfolio of credit and non-credit relationships of varying size and complexity.
  • Actively cover the market and prospective clients to achieve new-client acquisition goals.
  • Generate new and incremental margin and fee-based revenue through credit and non-credit ancillary product sales, including capital markets products and services.
  • Build relationships, generate ideas, and lead strategic business discussions.
  • Manage risk and structure credit.
  • Work with and delegate to Portfolio Management and Credit to proactively 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 prospective clients.
  • Navigate complex corporate structures and support clients’ capital markets needs.

Benefits

  • Competitive pay
  • Medical coverage
  • Dental coverage
  • Vision coverage
  • Retirement benefits
  • Maternity leave
  • Paternity leave
  • Flexible work arrangements
  • Education reimbursement
  • Wellness programs
  • Paid time off exceeding applicable mandatory paid sick or paid time-away policies
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