Corporate Banking PM II

Corporate Banking Portfolio Manager II

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.

As a Corporate Banking Portfolio Manager II, 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 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. In this role, you will manage a portfolio of the most complex credits and will be expected to perform your role responsibilities 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.

Primary responsibilities include:

• Managing a portfolio of the most complex credits and will perform the functions of the position with only periodic oversight and is expected to perform with 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/work teams.
• Effective credit underwriting and credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and as needed client support 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, and take action to develop solutions, handles 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 resolving the most complex issues related to credit monitoring and administration with clients directly.
• Understand and stay up to date on 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:

• Extensive Credit Expertise: Proven ability to manage and underwrite complex commercial credit relationships with minimal supervision, demonstrating deep understanding of credit policy, financial modeling, and risk evaluation.
• Advanced Financial Analysis Skills: Strong proficiency in financial statement analysis, cash flow modeling, and risk assessment to support sound credit decisions and portfolio management.
• Portfolio Management Experience: Demonstrated success in overseeing a diverse portfolio of high-complexity credits, anticipating potential issues, and implementing proactive solutions to maintain credit quality.
• Client-Focused Communication: Exceptional interpersonal and communication skills, with the ability to engage directly with clients to resolve complex credit issues and support relationship growth.
• Strategic Insight & Collaboration: Ability to synthesize market and industry data to inform credit decisions and share insights across teams, contributing to broader strategic goals.
• Regulatory & Policy Compliance: Deep understanding of regulatory requirements and internal credit policies, ensuring consistent adherence and timely portfolio maintenance.
• Leadership & Mentorship: Experience guiding peers and collaborating with relationship managers, team leaders, and senior stakeholders to drive credit excellence and share best practices.

Hours & Work Schedule:

• Hours per Week: 40
• Work Schedule: M-F