As a Middle Market Corporate Banking Portfolio Manager, you will be responsible for credit underwriting, monitoring, and portfolio management of new and existing commercial banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. Additionally, you will be responsible for prudent underwriting and effective credit and risk administration with particular emphasis on financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, regulatory compliance, and customer support.
Primary responsibilities include:
- Exhibit expert knowledge of clients/credits included in the portfolio when interacting with peers, Relationship Manager, team leader, and senior managers across departments/teams.
- Effective credit underwriting, credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and client support as needed for an assigned portfolio.
- Structuring, underwriting, and documenting new business, renewals, and modifications as the credit expert within the first line of defense.
- Manage and oversee assigned portfolio of credits and anticipate portfolio problems and take action to develop solutions, handling multiple demands and competing priorities.
- Meet deadlines and schedules associated with maintaining portfolio compliance with credit and risk policies.
- Provide client management support for assigned portfolio, maintaining a regular level of direct client interaction, and demonstrating ability to resolve the most complex issues related to credit monitoring and administration with client directly.
- Understands and stays up to date with industry and market information related to assigned markets and customers. Shares insights and learnings with other RMs and PMs.
Qualifications, Education, Certifications and/or Other Professional Credentials
- 6+ years of proven expertise in credit underwriting, risk evaluation, and portfolio management within commercial or middle market banking.
- Demonstrated ability to manage a portfolio of complex credits with minimal supervision, exhibiting deep knowledge of client profiles and credit structures.
- Strong financial analysis and modeling skills, with a track record of structuring, underwriting, and documenting new business, renewals, and modifications.
- Deep understanding of credit policy, regulatory compliance, and risk administration best practices.
- Excellent organizational skills with the ability to anticipate portfolio issues, prioritize competing demands, and meet critical deadlines.
- Effective communicator with experience supporting client relationships and resolving complex credit-related issues directly with clients.
- Collaborative team player who contributes insights across departments and shares market and industry knowledge to support team development.
- Commitment to continuous learning and professional growth in a dynamic, client-focused environment.
Hours & Work Schedule
Hours per Week: 40+
Work Schedule: Monday - Friday
Pay Transparency
The salary range for this position is $130,000 - $155,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, relevant skills, and experience.
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.
