Middle Market Corporate Banking Portfolio Manager Team Lead

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, Certifications and/or Other Professional Credentials

• Inclusive Leadership: Proven ability to lead a diverse team of Commercial Portfolio Managers and Credit Analysts, fostering a culture of active listening and mutual respect to understand client goals and deliver tailored financial solutions.
• Strategic Credit Expertise: Extensive experience managing complex, noninvestment grade portfolios, including large exposures in specialized industries. Skilled in structuring transactions, conducting due diligence, underwriting, and navigating credit approvals.
• Operational Excellence: Demonstrated success in designing and monitoring internal systems to ensure timely and compliant portfolio management, including legal documentation review, reporting, and problem loan identification.
• Policy and Compliance Stewardship: Deep understanding of federal regulations and internal credit policies, with a track record of developing and implementing credit and compliance frameworks that meet regulatory standards.
• Team Development and Performance Management: Strong commitment to mentoring and developing team members, ensuring consistent application of credit and risk policies, and achieving high ratings from credit review and compliance audits.
• Client-Focused Negotiation: Skilled in external client engagement, with the ability to negotiate complex deals and resolve client issues effectively, aligning financial strategies with client objectives.
• Collaborative Influence: Effective liaison with regional portfolio leaders, credit risk, and workout teams to manage deteriorating credits, while maintaining strong internal relationships with senior management and cross-functional stakeholders.

Hours & Work Schedule

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