Job Description

Citizens Bank is seeking a Commercial Real Estate (CRE) Relationship Manager within the Business Banking segment. This role serves as the primary relationship owner for an assigned portfolio of CRE clients, with a strong focus on portfolio management, relationship deepening, and disciplined portfolio growth. The position includes moderate business development and selective new business originations to support long‑term franchise growth and overall relationship profitability.

Responsibilities

Portfolio Management & Client Coverage

• Serve as the central point of contact for an assigned portfolio of Commercial Real Estate clients, ensuring consistent, high‑quality coverage.
• Proactively manage the portfolio across the full credit lifecycle, including renewals, amendments, covenant compliance, documentation, and ongoing credit monitoring.
• Maintain a deep understanding of each client’s business, financial performance, and market dynamics to proactively identify risks and opportunities.
• Partner closely with Credit, Portfolio Management, and Operations teams to ensure timely execution and sound risk management.

Portfolio Growth & Relationship Expansion

• Drive organic growth within the existing portfolio through thoughtful relationship expansion, increased wallet share, and cross‑sell opportunities.
• Identify opportunities to deepen relationships through deposits, cash management, derivatives, and wealth referrals to enhance overall relationship profitability.
• Develop actionable client strategies to support retention and long‑term growth of the portfolio.

New Business Development (Selective Emphasis)

• Support targeted new business development efforts through referral sources, prospect calling, and community involvement.
• Evaluate new opportunities consistent with portfolio strategy, return thresholds, and risk appetite.
• Perform underwriting‑related activities for new transactions, including risk assessment, structuring credit terms, coordinating due diligence, and generating targeted returns.

Credit & Transaction Execution

• Prepare credit recommendations and loan structures tailored to client needs.
• Produce required documentation to support loan origination, structuring, and execution of complex CRE transactions.

• Present credit requests to senior management and respond knowledgeably and confidently to questions.

Qualifications

• Minimum of 4 years of Commercial Real Estate banking experience.
• Demonstrated success managing and growing a meaningful CRE portfolio.
• Strong credit acumen with experience structuring complex transactions.
• Excellent communication and interpersonal skills with the ability to build deep, trusted client relationships.
• Proven ability to drive relationship profitability through portfolio growth and cross‑selling.
• Strong technical and organizational skills; experience using Salesforce or similar CRM systems preferred.

Work Schedule:

• Hours per Week: 40
  Work Schedule: Monday – Friday

Pay Transparency

The salary range for this position is $109,350-182,250, plus benefits and an opportunity to earn additional incentive earnings. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits

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.

Equal Employment and Opportunity Employer

Job Applicant Data Privacy Policy

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.