Corporate Banking PM II

Corporate Banking Portfolio Manager 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 bring tools, data, and strategic insights to help our clients reach their goals.

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 efficient internal processes. Your role includes underwriting and effective credit and risk administration with emphasis on financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, regulatory compliance, and customer support.

• Managing a portfolio of the most complex credits with limited oversight.
• Exhibit expert knowledge of clients/credits when interacting with peers, relationship managers, and senior managers.
• Effective credit underwriting and risk administration, emphasizing credit policy, financial analysis, and risk evaluation.
• 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 problems, and develop solutions while handling multiple demands and competing priorities.
• Meet deadlines and schedules associated with maintaining portfolio compliance with credit and risk policies.
• Provide client management support, maintaining direct interaction and resolving the most complex issues related to credit monitoring and administration.
• Stay up to date on industry and market information related to assigned markets and customers.
• Share insights and learnings with other RMs and PMs.

• Extensive Credit Expertise:
  Proven ability to manage and underwrite complex commercial credit relationships with minimal supervision, demonstrating deep understanding of credit policy, financial modeling, and risk evaluation.
• Advanced Financial Analysis
  
  Skills:
  
  Strong proficiency in financial statement analysis, cash flow modeling, and risk assessment to support sound credit decisions and portfolio management.
• Portfolio Management
  
  Experience:
  
  Demonstrated success in overseeing a diverse portfolio of high‑complexity credits, anticipating potential issues, and implementing proactive solutions to maintain credit quality.
• Client‑Focused Communication:
  Exceptional interpersonal and communication skills, engaging directly with clients to resolve complex credit issues and support relationship growth.
• Strategic Insight &
  
  Collaboration:
  
  Ability to synthesize market and industry data to inform credit decisions and share insights across teams, contributing to broader strategic goals.
• Regulatory & Policy Compliance:
  Deep understanding of regulatory requirements and internal credit policies, ensuring consistent adherence and timely portfolio maintenance.
• Leadership & Mentorship:
  Experience guiding peers and collaborating with relationship managers, team leaders, and senior stakeholders to drive credit excellence and share best practices.

• Hours per week: 40
• Work schedule:
  
  Monday‑Friday

Some job boards have started using jobseeker‑reported data to estimate salary ranges for roles. If you apply and qualify, a recruiter will discuss accurate pay guidance.

Citizens, its parent, subsidiaries, and related companies 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.

At Citizens, you’ll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.