Job Description

As a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. While in this role, you will be the primary contact person for Credit based clients, while soliciting and maintaining relationships with middle market businesses, and thus overseeing the delivery and maintenance of a wide array of diverse bank products and services. Additionally, you will also act as a trusted advisor to a wide range of clients, representing a diverse range of industries including professional services, general commercial, and global companies. Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally.

Primary responsibilities include

• Work with Senior management, portfolio managers, investment banking partners and other credit professionals to originate, monitor and grow middle market banking relationships.
• Drive credit underwriting, modeling, portfolio monitoring, and as well as assisting with office risk management duties.
• Work in partnership with portfolio managers to coordinate pricing, revenue growth, cross sell and relationship profitability.
• Manage and promote the maintenance of a portfolio that adheres to all applicable credit policies and compliance requirements.
• Interact with clients directly to understand business needs and represent Citizens in developing and maintaining client relationships.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • 8+ years of experience in Commercial banking - Middle Market or similar range with a history of competency and success in soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings, including complex transactions

  • Demonstrated experience handling difficult and sensitive client relationships and capable of handling tough negotiations, both to win the deal and to legally document the transaction.

  • Formal commercial credit training

• Preferred Qualifications
  • Ability to function as an independent thinker and self-starter with strong sales skills and excellent credit skills.

  • Highly skilled in financial modeling and able to appropriately structure credit in a modeling environment

  • Must be able to independently assess business risk, taking into consideration capital structures and industry nuances as applicable.

  • Capable of actively planning, organizing and managing a deal team, consisting of applicable product partners, to determine value-added approaches to clients and potential clients.

  • Will require highly developed communication skills and the ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.

Hours & Work Schedule

• Hours per Week: 40

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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.

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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.