Job Description

Citizen’s Corporate Banking team serves public and private corporations, with annual revenues from $500MM - $3-4B, and helps our clients achieve short, medium, and long term strategic goals by providing world class solutions in financing, treasury / liquidity, risk management and investment banking advisory.

The Portfolio Manager II is responsible for credit and risk administration of an assigned portfolio of accounts in our Corporate Banking Team.

Primary responsibilities include:

• Underwriting credit opportunities to both new and existing clients, and ongoing portfolio management of same
• Ideal candidate would have experience in the underwiring of transactions as a lead-left agent
• Quality analysis and risk identification
• Ability to proactively recommend structures and implement action plans
• Strong technical capabilities to maintain accurate risk ratings
• Maintenance of financial reporting and covenant compliance tracking database
• Ability to independently prepare and present new transactions for approval and existing portfolio transactions at periodic portfolio review meetings
• Versed in legal documentation and ability to negotiate and close loans
• Regular client interaction to support and complement Relationship Manager both for new credit and ongoing servicing and problem resolution
• This is a senior position and as such individual must have demonstrated ability to manage complex credits and situations, willingness to support less experienced Portfolio Managers and Analysts, and partake in special projects as needed

Qualifications

Required Skills/Experience:

• 10+ years relevant Corporate Banking experience required
• Competency in financial analysis and credit structuring
• Understanding and applying credit policy, and credit monitoring and risk administration practices
• Expected to have advanced level of credit experience, including legal documentation, and negotiating credit structures both internally and externally
• Excellent verbal, communication, interpersonal and organizational skills required
• Ability to multi-task and function under pressure
• Proficient in PC applications, including excel based projection modeling

Education, Certification, and/or Other Professional Credentials:

• Bachelor’s Degree required

Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday - Friday

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.