Portfolio Manager - Middle Market Corporate Banking
About The Position
At Citizens, the Middle Market Corporate Banking Portfolio Manager underwrites, monitors, and manages new and existing commercial banking relationships to maintain strong credit quality, operate efficiently, and retain and expand customer relationships. The role emphasizes prudent underwriting and effective credit and risk administration, including financial analysis and modeling, risk evaluation, portfolio maintenance, regulatory compliance, and customer support. The Portfolio Manager manages a portfolio of the most complex credits, working with limited supervision and demonstrating expert knowledge of clients and credits when interacting with peers, relationship managers, team leaders, and senior managers. The role supports assigned clients through regular direct interaction and addresses complex credit monitoring and administration issues. The position requires at least four days per week in the office and follows a Monday–Friday, 40-hour work schedule.
Requirements
- At least 6 years of underwriting and portfolio management experience at 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.
- Work in the office at least 4 days per week.
Nice To Haves
- Advanced Excel capability and experience with financial modeling.
- Strong collaboration skills with internal partners and a client-centric focus.
- Expertise in credit underwriting and portfolio management, including a 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 and demonstrate expert knowledge of client businesses and credit structures.
- Strong analytical and problem-solving skills, including anticipating portfolio issues and developing strategic solutions.
- Excellent communication and interpersonal skills, including the ability to collaborate across teams and engage directly with clients 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 complex credits with limited supervisory intervention and periodic oversight.
- Demonstrate expert knowledge of portfolio clients and credits when working with peers, relationship managers, team leaders, and senior managers across departments.
- Underwrite credit and administer credit and risk in accordance with credit policies and requirements, including 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 the assigned portfolio, anticipate potential credit problems, and develop solutions while managing competing demands and priorities.
- Meet deadlines and schedules needed 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 relevant to assigned markets and customers, and share insights and learnings with relationship managers and portfolio managers.
Benefits
- Competitive pay
- Comprehensive medical coverage
- Dental coverage
- Vision coverage
- Retirement benefits
- Maternity and paternity leave
- Flexible work arrangements
- Education reimbursement
- Wellness programs
- Paid time off exceeding mandatory paid sick or paid time-away policies in every U.S. local and state jurisdiction
- Opportunity to earn an annual discretionary bonus
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What This Job Offers
Job Type
Full-time
Career Level
Senior
