Senior Relationship Manager - Middle Market

Citizens Financial Group • 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 a wide range of bank products and services through cross-selling. The role partners with client executive management as a trusted advisor. It focuses on companies with annual revenues between $25 million and $500 million and typically manages 20–23 credit-based relationships with average loan outstanding balances of approximately $100 million, in addition to 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, and portfolio monitoring while assisting with office risk management. In partnership with relationship managers, it coordinates pricing, revenue growth, cross-selling, and relationship profitability. The role maintains a portfolio in compliance with applicable credit policies and requirements, interacts directly with clients to understand their needs, and represents Citizens in developing and maintaining client relationships.

Requirements

• At least 12 years of relevant industry experience.
• Demonstrated success soliciting, selling, developing, servicing, and structuring a broad range of secured and unsecured commercial financings, including complex transactions.
• Ability to manage difficult and sensitive client relationships and conduct tough negotiations to win deals and legally document transactions.
• Strong sales and credit skills; ability to work independently as a thinker and self-starter.
• Highly skilled in financial modeling and able to structure credit appropriately in a modeling environment.
• Ability to independently assess business risk, including capital structures and industry nuances.
• Highly developed communication skills and ability to influence others and gain commitment to proposed ideas and solutions.
• Enthusiastic, resilient, and energetic.
• Bachelor's degree required.

Nice To Haves

• Formal commercial credit training.
• Master's degree.

Responsibilities

• Originate, monitor, and grow middle-market banking relationships in collaboration with senior management, relationship managers, investment banking partners, and other credit professionals.
• Drive credit underwriting, financial modeling, and portfolio monitoring, and assist with office risk management duties.
• Coordinate pricing, revenue growth, cross-selling, and relationship profitability in partnership with relationship managers.
• Manage and promote a portfolio that complies with applicable credit policies and requirements.
• Interact directly with clients to understand their business needs and represent Citizens in developing and maintaining client relationships.
• Plan, organize, and manage deal teams, including relevant product partners, to develop value-added approaches for clients and prospects.

What This Job Offers

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