Job Description

Description 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 the Corporate Banking PM Team Lead, Middle Market $25MM-$100MM you will help build and manage a team of Commercial Portfolio Managers and Credit Analysts, including those who manage straightforward up to the most complex credits, and including those with large exposures in complicated and/or specialized industries. You will be intensely involved in credit actions and will be responsible for all aspects of portfolio management, actively ensuring compliance with federal regulations and Citizens policies. Primary responsibilities include Responsible for all aspects of portfolio management including transaction structuring, due diligence and underwriting, credit approval, legal documentation review & negotiation, reporting/credit monitoring and problem loan identification. Intensively involved in credit actions (deal screens, approval of new business and amendment requests and Watchlist) on a credit intensive, noninvestment grade portfolio. Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all Citizens internal policies. Actively ensures compliance with federal regulations and Citizens policies. Involved in assessing, developing, and implementing credit and compliance policies. Prioritizes work that is assigned to the group, assures that work is appropriately distributed among the team members and is responsible for objective quality control of group’s analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to Citizens. Assures that all portfolio managers & credit analysts are trained and kept up to date on Citizens credit policy as well as credit issues affecting the general economy. Achieves satisfactory or better ratings from credit review and compliance and meet compliance targets for annual reviews, risk ratings, and covenant compliance monitoring. Responsible for performance management process and professional development of direct reports. Liaise with regional portfolio management team Leader, credit risk and workout colleagues on deteriorating credits. Largely internally focused interacting with portfolio managers, relationship managers, division executives, credit officers and Senior Management. Externally meets with customers/prospects to actively negotiate deals and solve customer/prospect requests and problems. Qualifications, Education, Certifications and/or Other Professional Credentials 10+ years relevant Corporate Banking experience required, including prior management experience Demonstrated ability to collaborate with teams across functional boundaries to ensure efficiency of operations and effective risk management Willingness to adapt and respond appropriately to new demands, priorities, challenges, and obstacles Highly effective in establishing relationships with key stakeholders 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 Hours & Work Schedule Hours per Week: 40 Work Schedule: M-F Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens), provides 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, transgendered and transitioning individuals, 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 colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders. #J-18808-Ljbffr Citizens Bank

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