Director/Managing Director Relationship Manager-MMB

First Citizens Bank; Charlotte (NC); On-site; USD 180,000 - 240,000; Full time

Job summary

First Citizens Bank is seeking a Director/Managing Director Relationship Manager - Middle Market to lead a portfolio of mid-sized businesses with $100MM–$1bn in revenue. You will act as the primary advisor, coordinating financing, treasury and advisory services while driving growth and maintaining strong risk controls.

Responsibilities include sourcing new relationships, expanding wallet share, and guiding cross-functional teams to deliver tailored banking solutions with a focus on credit

Qualifications

• Bachelor's Degree and 8 years' experience in Commercial Banking, Relationship Management or Sales.
• High School Diploma or GED with 12 years' experience in Commercial Banking, Relationship Management or Sales.
• MBA preferred for advanced roles.

Responsibilities

• Develop and maintain a portfolio of middle market companies with revenues typically $100MM to $1bn.
• Serve as the primary relationship manager and trusted financial advisor, providing financing, cash flow management, and growth guidance.
• Source, originate, and close new commercial banking relationships through proactive business development.
• Lead cross-functional teams to deliver comprehensive banking solutions including lending, treasury, and wealth management.
• Monitor portfolio performance and identify risks, implementing mitigation strategies.

Skills

Middle Market Banking

Relationship Management

Corporate Banking

MBA

Formal Credit Training

Acquiring clients

Education

Bachelor's Degree

High School Diploma or GED

Job description

Overview

First Citizens Middle Market Banking brings a relationship and advisory driven approach to delivering tailored banking solutions that support growth, strategic objectives and long-term success to privately held, family-owned and publicly traded companies across a variety of industries.

The Director/Managing Director Relationship Manager - Middle Market is a senior commercial banking professional responsible for developing, managing, and expanding a portfolio of middle market client relationships. Serving as the client's primary financial advisor, the Director/Managing Director delivers comprehensive banking solutions that support growth, liquidity, capital structure, treasury management, and wealth management objectives.

This role is responsible for cultivating new business opportunities, deepening existing relationships, and positioning the Bank as the lead financial institution for clients. The Director/Managing Director leverages extensive credit expertise, industry knowledge, and consultative sales skills to structure customized solutions while maintaining strong risk management and portfolio quality standards.

Responsibilities & Qualifications

Key Responsibilities:

Business Development & Relationship Management:

• Develop and maintain a portfolio of middle market companies with annual revenues typically ranging from $100MM to $1bn.
• Serve as the primary relationship manager and trusted financial advisor, providing strategic guidance on financing, cash flow management, capital investment, acquisitions, and growth initiatives.
• Source, originate, and close new commercial banking relationships through proactive business development, community involvement, and centers of influence, including attorneys, CPAs, and business advisors.
• Lead cross-functional teams to deliver comprehensive banking solutions, including commercial lending, treasury management, depository services, capital markets, interest rate risk management, and wealth management.
• Expand wallet share by identifying opportunities for product penetration and relationship growth across the client's organization.

Credit & Portfolio Management

• Analyze complex financial statements, cash flows, and business performance metrics to assess creditworthiness and structure financing solutions.
• Partner with Credit Administration to underwrite, negotiate, and manage commercial banking relationships while maintaining prudent credit standards.
• Monitor portfolio performance, identify emerging risks, and proactively implement risk mitigation strategies.
• Present credit recommendations and relationship strategies to senior credit and executive management committees.

Client Leadership & Strategic Advisory

• Maintain a deep understanding of industry trends, market dynamics, economic conditions, and competitive factors impacting clients.
• Provide strategic thought leadership and financial expertise to business owners and executives.
• Coordinate internal resources to deliver exceptional client experiences and ensure timely execution of complex transactions.
• Act as an advocate for clients while balancing profitability, risk, and regulatory requirements.

Risk Management & Compliance

• Ensure adherence to all regulatory requirements, compliance standards, and Bank policies.
• Maintain strong portfolio quality through disciplined credit risk management and ongoing client monitoring.
• Promote a culture of sound risk management while supporting responsible business growth.

Director Qualifications

Minimum Required Education and Experience: Bachelor's Degree and 8 years' experience OR High School Diploma or GED/Equivalent and 12 years' experience in Commercial Banking, Relationship Management, Sales

Preferred Skills

• MBA, Business Administration, Finance, Economics
• 12 years of Middle Market Banking, Corporate Banking experience
• Formal Credit Training
• 2 – 5 years hands on credit experience
• 8 – 10 years RM within Commercial Banking – Middle Market, Corporate Banking
• Acquiring clients, expanding relationships, selling commercial banking products

Managing Director Qualifications

Minimum Required Education and Experience: Bachelor's Degree and 10 years' experience OR High School Diploma or GED/Equivalent and 14 years' experience in Middle Market Banking & Credit Knowledge

Preferred Skills

• MBA, Business Administration, Finance, Economics14 years of Middle Market Banking, Corporate Banking experience
• Formal Credit Training
• 5 plus years hands on credit experience
• 10 plus years RM within Commercial Banking – Middle Market, Corporate Banking
• Acquiring clients, expanding relationships, selling commercial banking products

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.