Middle Market Relationship Manager

Citizens Financial Group•Los Angeles, CA

11h

About The Position

The Relationship Manager/Senior Relationship Manager is the central contact for clients, coordinating the delivery and maintenance of a broad range of bank products and services through collaboration with partners. The role serves as a trusted advisor to clients’ executive management teams and focuses on core through upper middle-market clients. It is suited to an experienced banker who can navigate complex corporate structures, structure sophisticated financings, collaborate with Treasury partners, and guide clients through capital markets needs. The position 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, actively covers prospective clients to achieve new-client acquisition goals, and generates incremental margin and fee-based revenue through credit and ancillary non-credit products, including capital markets products and services. The role works closely with Portfolio Management and Credit to serve clients, expand relationships, and grow the portfolio.

Requirements

Minimum of 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 tough negotiations.
Strong sales skills and excellent credit skills.
Ability to read, interpret, and understand financial statements and credit issues quickly.
Highly skilled in financial modeling and able to structure credit in a modeling environment.
Ability to independently assess business risk, including relevant capital structures and industry nuances.
Strong independent thinking and self-starter capabilities.
Highly developed communication skills and the ability to influence others through persuasive presentation of ideas and solutions.
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 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 new and incremental margin and fee-based revenue from credit and ancillary non-credit product sales, including capital markets products and services.
Build relationships, generate ideas, lead strategic business discussions, and contribute industry observations.
Manage risk and structure credit.
Delegate to and collaborate effectively with Portfolio Management and Credit to serve client needs, 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.
Handle sensitive client relationships and negotiations, including negotiating and legally documenting transactions.

Benefits

Opportunity to earn an annual discretionary bonus.
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 requirements in every U.S. local and state jurisdiction.