Portfolio Manager - Middle Market Corporate Banking

Citizens•San Francisco, CA

1d•$150,000 - $200,000•Onsite

About The Position

As a Middle Market Corporate Banking Portfolio Manager at Citizens, you will underwrite, monitor, and manage new and existing commercial banking relationships to maintain strong credit quality and support the retention and expansion of customer relationships. The role emphasizes prudent underwriting, financial analysis and modeling, risk evaluation, portfolio maintenance, regulatory compliance, and customer support. You will manage a portfolio of the most complex credits with limited supervision, demonstrating expert knowledge of clients and credits when working with peers, Relationship Managers, team leaders, and senior managers. You will structure, underwrite, and document new business, renewals, and modifications as a credit expert within the first line of defense, and support clients through direct interaction and resolution of complex credit monitoring and administration issues. The position requires at least four days per week in the office. The schedule is Monday through Friday, 40 hours per week. The salary range is $150,000–$200,000 per year, with an opportunity to earn an annual discretionary bonus. Actual pay depends on factors including budget, work location, skills, and experience.

Requirements

At least 6 years of underwriting and portfolio management experience with a regional commercial bank or larger institution.
Middle Market or Mid-Corporate C&I experience.
Bachelor’s degree and formal credit training.
Work in the office at least 4 days per week.

Nice To Haves

Experience with financial modeling in Excel and advanced Excel user capability.
Strong collaboration skills with internal partners and a client-centric focus.
Proven 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 a portfolio of high-complexity credits with 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 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 credits and administer credit and risk processes, emphasizing credit-policy adherence, 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 required 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 with clients.
Stay current on industry and market information related to assigned markets and customers, and share insights with Relationship Managers and Portfolio Managers.