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 achieve efficient internal processes to retain and expand customer relationships. Additionally, you will be responsible for underwriting and effective credit and risk administration with particular emphasis on financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, regulatory compliance, and customer support.

In this role, you will manage a portfolio of the most complex credits and will be expected to perform your responsibilities with limited supervision and exhibit expert knowledge of your clients/credits when interacting with peers, relationship managers, your team leader, and senior managers across departments.

Primary Responsibilities

• Manage a portfolio of the most complex credits with minimal oversight, demonstrating expert knowledge of clients and credits.
• Perform effective credit underwriting and risk administration with emphasis on adherence to credit policy, financial analysis/modeling, risk evaluation, and portfolio maintenance.
• Significantly contributing to the review and negotiation of loan documentation
• Structure, underwrite, and document new business, renewals, and modifications as the credit expert within the first line of defense.
• Oversee assigned portfolio, anticipate potential issues, and develop solutions while managing multiple priorities.
• Meet deadlines and schedules to maintain compliance with credit and risk policies.
• Provide client management support, maintaining regular direct interaction and resolving complex credit-related issues.
• Stay current on industry and market information related to assigned markets and customers.
• Share insights and learnings with other Relationship Managers (RMs) and Portfolio Managers (PMs).

Qualifications

• Bachelor’s degree in finance, accounting, economics, or related field; advanced degree or professional certification (e.g., CFA, CPA) preferred.
• Minimum 5–7 years of experience in commercial credit underwriting and portfolio management.
• Strong analytical skills with expertise in financial modeling and risk evaluation.
• Proven ability to manage complex credit portfolios with minimal supervision.
• Excellent communication and relationship management skills.
• Preferred: Experience in lending to Energy (Oil & Gas) 
• Deep understanding of regulatory compliance and credit policy requirements.
• Ability to anticipate portfolio issues and develop proactive solutions.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F

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

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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.