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About the Role

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. You will manage a portfolio of the most complex credits with limited supervision and exhibit expert knowledge of your clients/credits when interacting with peers, relationship managers, your team leader, and senior managers across departments.

Responsibilities

Manage a portfolio of the most complex credits and perform the functions of the position with only periodic oversight and very limited supervisory intervention.
Exhibit expert knowledge of clients/credits included in the portfolio when interacting with peers, Relationship Manager, team leader, and senior managers across departments/teams.
Perform effective credit underwriting, credit and risk administration with 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.
Structure, underwrite, and document new business, renewals, and modifications as the credit expert within the first line of defense.
Oversee assigned portfolio of credits, anticipate portfolio problems, develop solutions, and handle 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 regular direct client interaction, and resolving complex issues related to credit monitoring and administration with clients directly.
Understand and stay up to date with industry and market information related to assigned markets and customers, sharing insights and learnings with other RMs and PMs.

Requirements

6+ years underwriting and portfolio management experience with a regional commercial bank or larger institution.
Middle Market or Mid-Corporate experience in C&I.
Bachelors degree required.
Formal credit training.
4 days a week in office minimum.
Experience in financial modeling preferred in Excel with advanced user capability.
Strong collaboration skills with internal partners and client-centric focus.
Proven expertise in credit underwriting and portfolio management, with a strong track record of 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.
Demonstrated ability to independently manage a portfolio of high-complexity credits, exhibiting expert knowledge of client businesses and credit structures.
Strong analytical and problem-solving skills, with the ability to anticipate portfolio issues and develop strategic solutions.
Excellent communication and interpersonal skills, with the capacity to collaborate effectively across teams and engage directly with clients to resolve complex credit matters.
In-depth knowledge of industry trends and market dynamics, with a commitment to sharing insights and fostering team-wide learning.
Experience in structuring, underwriting, and documenting new credit opportunities, renewals, and modifications within a first line-of-defense framework.
Proven ability to meet deadlines and manage competing priorities in a fast-paced, client-focused environment.
Any offer of employment is conditioned upon the candidate successfully passing a background check.

Skills

Financial analysis
Financial modeling
Risk evaluation
Credit underwriting
Portfolio management
Client support
Regulatory compliance
Collaboration
Problem-solving
Communication
Interpersonal skills

Location

4 days a week in office minimum

Work Type

40 hours
Mon - Fri

Experience Level

6+ years underwriting and portfolio management experience

Education Level

Bachelors degree
Formal credit training

Salary/Compensations

$150,000 - $200,000 per year
Opportunity to earn an annual discretionary bonus

Benefits

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

About the Company

At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country.
We are partners from a diverse set of backgrounds who truly listen — to understand where our clients are trying to go and bring the tools, data, and strategic insights to help them get there.

Equal Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide 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.
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.
Employment decisions are based solely on merit, qualifications, performance and capability.
Equal Employment and Opportunity Employer