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About the Role

The Sr. Private Bank Client Relations Manager serves as an extension of the Private Bank Relationship Manager, driving new client acquisition, deepening existing relationships, and delivering a best-in-class experience to ultra-high-net-worth individuals. This client-facing role combines mortgage expertise, credit analysis, and business development support to grow the Private Bank's lending and deposit portfolio. The role involves guiding clients through the residential lending process, from initial conversations to post-close servicing, acting as a trusted resource and providing tailored solutions.

Responsibilities

Partner closely with Relationship Managers to support business development, prospect cultivation, and new client acquisition.
Participate in client and prospect meetings as a residential lending subject matter expert and trusted advisor.
Conduct residential mortgage prequalification analysis, documentation review, and borrower financial assessments.
Assist with prospective client inquiries, introductory conversations, and mortgage rate discussions when Relationship Managers are unavailable.
Manage the active residential mortgage pipeline from preapproval through closing and post-close servicing.
Provide mortgage structure recommendations and preliminary deal analysis for complex residential lending opportunities.
Develop a strong understanding of client financial profiles and proactively identify opportunities to deepen lending and deposit relationships.
Collaborate with Private Bank Credit Officers on loan pre-screening, credit analysis, and transaction structuring.
Answer client questions regarding loan terms, documentation requirements, underwriting expectations, and initial loan estimates.
Coordinate with internal business partners to facilitate timely loan processing, approvals, and closings.
Support client meetings, events, and relationship management activities.
Mentor and coach junior team members on residential lending fundamentals, client service excellence, and Private Bank best practices.

Requirements

5-10+ years of residential mortgage lending experience, preferably supporting affluent, high-net-worth, or ultra-high-net-worth clients.
Proven experience originating, analyzing, structuring, and managing residential mortgage transactions from initial client engagement through closing.
Strong understanding of mortgage products, credit analysis, underwriting processes, loan documentation, and residential lending policies strongly preferred.
Excellent analytical and problem-solving skills with the ability to assess complex borrower financial situations and recommend appropriate lending solutions.
Exceptional written, verbal, and interpersonal communication skills with the confidence to engage sophisticated clients, prospects, and senior stakeholders.
Strong organizational skills, attention to detail, and ability to manage multiple priorities simultaneously.
Proven work ethic, sense of urgency, and commitment to delivering white-glove service.
Any offer of employment is conditioned upon the candidate successfully passing a background check.

Skills

Residential mortgage lending expertise
Credit analysis
Business development
Financial analysis
Mortgage products
Underwriting processes
Loan documentation
Residential lending policies
Analytical skills
Problem-solving skills
Written communication skills
Verbal communication skills
Interpersonal communication skills
Organizational skills
Attention to detail
Client service excellence

Location

New York, NY

Work Type

Full-time
Onsite

Experience Level

Senior
5-10+ years

Education Level

Bachelor's Degree

Salary/Compensations

$185,000.00 - $240,000.00 per year
Opportunity to earn an annual discretionary bonus

Benefits

Competitive pay
Comprehensive medical coverage
Dental coverage
Vision coverage
Retirement benefits
Maternity leave
Paternity leave
Flexible work arrangements
Education reimbursement
Wellness programs
Paid time off policy exceeds mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States

About the Company

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment.
At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism.

Equal Opportunity

Citizens provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.
Employment decisions are based solely on merit, qualifications, performance and capability.
Equal Employment and Opportunity Employer