Portfolio Manager II - Middle Market Corporate Banking

Citizens Financial Group • Coral Gables, FL

4d • Hybrid

About The Position

At Citizens, the Middle Market Corporate Banking Portfolio Manager II underwrites, monitors, and manages new and existing commercial banking relationships to maintain strong credit quality, support efficient internal processes, and retain and expand customer relationships. The role emphasizes prudent underwriting, credit and risk administration, financial analysis and modeling, risk evaluation, portfolio maintenance, regulatory compliance, and customer support.

The position manages a portfolio of the most complex credits with very limited supervisory intervention. The Portfolio Manager is expected to demonstrate expert knowledge of clients and credits when working with peers, Relationship Managers, team leaders, and senior managers across departments. The role also involves direct client interaction and resolving complex matters related to credit monitoring and administration.

The position requires at least four days per week in the office and is scheduled for 40 hours per week, Monday through Friday.

Requirements

• At least 8 years of underwriting and portfolio management experience with a regional commercial bank or larger institution.
• Middle Market or Mid-Corporate experience in commercial and industrial (C&I) banking.
• Bachelor's degree.
• Formal credit training.
• Ability to work in the office at least 4 days per week.

Nice To Haves

• Financial modeling experience, preferably using Excel with advanced user capability.
• Strong collaboration skills with internal partners and a client-centric focus.
• Expertise in credit underwriting and portfolio management, including a strong track record managing complex commercial banking relationships.
• Advanced proficiency in financial analysis, credit modeling, and risk evaluation, with a deep understanding of regulatory compliance and credit policy adherence.
• Ability to independently manage high-complexity credit portfolios and demonstrate expert knowledge of client businesses and credit structures.
• Strong analytical and problem-solving skills, including the ability to anticipate portfolio issues and develop strategic solutions.
• Excellent communication and interpersonal skills, including effective cross-team collaboration and direct client engagement to resolve complex credit matters.
• In-depth knowledge of industry trends and market dynamics, and a commitment to sharing insights and fostering team-wide learning.
• Experience structuring, underwriting, and documenting new credit opportunities, renewals, and modifications within a first line-of-defense framework.
• Ability to meet deadlines and manage competing priorities in a fast-paced, client-focused environment.

Responsibilities

• Manage a portfolio of the most complex credits with only periodic oversight and very limited supervisory intervention.
• Demonstrate expert knowledge of portfolio clients and credits when interacting with peers, Relationship Managers, team leaders, and senior managers across departments and teams.
• Underwrite credit and administer credit and risk processes, emphasizing adherence to credit policies and requirements, financial analysis and modeling, risk evaluation, portfolio maintenance, and client support.
• Structure, underwrite, and document new business, renewals, and modifications as the credit expert within the first line of defense.
• Oversee assigned credits, anticipate portfolio problems, and develop solutions while managing competing demands and priorities.
• Meet deadlines and schedules to maintain portfolio compliance with credit and risk policies.
• Provide client management support, maintain regular direct client interaction, and resolve complex credit monitoring and administration issues directly with clients.
• Stay current on industry and market information relevant to assigned markets and customers.
• Share insights and learnings with other Relationship Managers and Portfolio Managers.

What This Job Offers

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