Senior Relationship Manager - Middle Market

Citizens Bank • Coral Gables, FL

2d

About The Position

At Citizens, the Senior Relationship Manager is the central contact for credit-based clients and coordinates the delivery and maintenance of diverse bank products and services through cross-selling. The role partners with clients’ executive management teams as a trusted advisor. It focuses on companies with annual revenues between $25 million and $500 million and typically manages credit-based relationships with average loan outstandings of approximately $100 million, along with other noncredit relationships. The role is expected to generate annual incremental fee income of at least $500,000.

The position works with senior management, relationship managers, investment banking partners, and other credit professionals to originate, monitor, and grow middle-market banking relationships. It drives credit underwriting, financial modeling, portfolio monitoring, and office risk-management support, while coordinating pricing, revenue growth, cross-selling, and relationship profitability. The role also maintains portfolios in accordance with applicable credit policies and compliance requirements, and directly engages clients to understand their needs and develop and maintain relationships.

The position requires at least 12 years of relevant industry experience and a bachelor’s degree. A master’s degree and formal commercial credit training are preferred. The schedule is Monday through Friday, with 40 or more hours per week.

Requirements

• At least 12 years of relevant industry experience.
• History of competency and success in 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 conduct tough negotiations 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 appropriately structure credit 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 influence others by persuasively presenting ideas and solutions to gain commitment and agreement.
• Bachelor’s degree required.
• Enthusiastic, resilient, and energetic.

Nice To Haves

• Formal commercial credit training strongly preferred.
• Master’s degree preferred.

Responsibilities

• Work with senior management, relationship managers, investment banking partners, and other credit professionals to originate, monitor, and grow middle-market banking relationships.
• Drive credit underwriting, financial modeling, and portfolio monitoring, and assist with office risk-management duties.
• Partner with relationship managers to coordinate pricing, revenue growth, cross-selling, and relationship profitability.
• Manage and promote a portfolio that complies with applicable credit policies and compliance requirements.
• Interact directly with clients to understand business needs and represent Citizens in developing and maintaining client relationships.
• Plan, organize, and manage deal teams, including applicable product partners, to identify value-added approaches for current and prospective clients.
• Generate annual incremental fee income of at least $500,000.

What This Job Offers

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