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Description

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 Middle Market Corporate Banking Portfolio Manager Team Lead, you will manage a team of Commercial Portfolio Managers and Credit Analysts, including those managing straightforward up to the most complex credits. This will also include those with large exposures in complicated and/or specialized industries. You will be responsible for all aspects of portfolio management and will be intensely involved in credit actions on a credit intensive, noninvestment grade portfolio.

In this role, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself.

Primary responsibilities include

+ Responsible for all aspects of portfolio management including transaction structuring, due diligence and underwriting, credit approval, legal documentation review & negotiation, reporting/credit monitoring and problem loan identification.

+ Involved in credit actions (deal screens, approval of new business and amendment requests and Watchlist) on a credit intensive, noninvestment grade portfolio.

+ Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all Citizens internal policies.

+ Actively ensures compliance with Federal regulations and Citizens policies. Actively involved in assessing, developing and implementing credit and compliance policies.

+ Prioritizes work that is assigned to the group, assures that work is appropriately distributed among the team members.

+ Objective quality control of group’s analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to Citizens. Assures that all portfolio managers & credit analysts are trained and kept up to date on Citizens credit policy as well as credit issues affecting the general economy.

+ Achieves satisfactory or better ratings from credit review and compliance and meets compliance targets for annual reviews, risk ratings, and covenant compliance monitoring. Responsible for performance management process and professional development of direct reports.

+ Liaise with regional portfolio management team leader, credit risk and workout colleagues on deteriorating credits. Largely internally focused interacting with portfolio managers, relationship managers, division executives, credit officers and Senior Management.

+ Externally meets with customers/prospects to actively negotiate deals and solve customer/prospect requests and problems.

Qualifications

+ Education & Experience

+ Bachelor’s degree in Finance, Accounting, Economics, or related field; MBA or CFA preferred.

+ 8+ years of experience in commercial credit, portfolio management, or corporate banking, with at least 3 years in a leadership role managing teams.

+ Proven track record managing complex, non-investment grade portfolios and large credit exposures.

+ Technical & Analytical Skills

+ Deep understanding of credit analysis, underwriting, and risk management principles.

+ Expertise in structuring transactions, conducting due diligence, and negotiating legal documentation.

+ Strong knowledge of regulatory requirements and compliance standards within commercial banking.

+ Leadership & Management

+ Demonstrated ability to lead and develop high-performing teams of portfolio managers and credit analysts.

+ Skilled in prioritizing workloads, ensuring quality control, and implementing internal systems for timely monitoring and reporting.

+ Experience in performance management and professional development of direct reports.

+ Communication & Relationship Management

+ Excellent interpersonal and negotiation skills for engaging with internal stakeholders and external clients.

+ Ability to liaise effectively with senior management, credit risk teams, and workout specialists on complex credit situations.

+ Other Competencies

+ High attention to detail and accuracy in applying credit and risk policies.

+ Strong problem-solving skills and ability to make sound decisions under pressure.

+ Proficiency in financial modeling and portfolio monitoring tools.

Hours & Work Schedule

+ Hours per Week: 40

+ Work Schedule: M-F

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment 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.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.