Corporate Banking PM 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 a portfolio of complex commercial banking relationships with minimal supervision, demonstrating expert knowledge of clients and credit structures.
• Advanced Financial Analysis: Strong proficiency in financial modeling, risk evaluation, and credit underwriting, with a deep understanding of regulatory compliance and credit policy adherence.
• Strategic Portfolio Oversight: Demonstrated success in anticipating portfolio challenges, developing proactive solutions, and maintaining compliance with internal credit and risk policies.
• Client-Focused Communication: Exceptional interpersonal skills with a track record of resolving complex credit issues through direct client engagement and cross-functional collaboration.
• Industry Insight: Ability to stay current on market trends and industry developments, translating insights into actionable strategies for portfolio growth and risk mitigation.
• Leadership & Collaboration: Experience sharing knowledge and best practices across teams, contributing to a culture of continuous learning and improvement.

Hours & Work Schedule

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

Base salary with opportunity to earn an annual discretionary bonus (AIP): 

Pay Transparency 

The salary range for this position is $165,000 - $180,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .