Middle Market Relationship Manager

Citizens Financial; Los Angeles (CA); On-site; USD 170,000 - 270,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

Retirement benefits

Maternity/Paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens Financial in Los Angeles seeks an experienced Relationship Manager focused on high-impact credit and non-credit banking relationships. You will lead strategic discussions, assess risk, and structure complex financings for a diverse portfolio.

The role requires deep credit knowledge, a proven sales record, and the ability to coordinate with product partners to deliver capital markets solutions. Strong communication and leadership are essential to win new business and expand existing

Qualifications

• 12+ years of relevant industry experience.
• Experience soliciting, selling, developing, servicing, and structuring commercial financings.
• Ability to handle difficult client relationships and tough negotiations.
• Independent thinker with strong sales and credit skills.
• Expert in financial modeling and credit structuring.
• Formal commercial credit training preferred.
• Assess business risk with capital structures and industry nuances.

Responsibilities

• Build and manage a portfolio of credit and non-credit relationships.
• Active market coverage to acquire new clients and generate revenue.
• Structure complex financings and capital markets solutions.
• Read, interpret and analyze financial statements to assess risk.
• Collaborate with Portfolio Management and Credit teams to serve clients.
• Lead deal teams with product partners to craft value-added solutions.

Skills

Relationship building

Sales skills

Credit skills

Financial modeling

Communication skills

Independent thinker

Education

Bachelor's Degree

Master's Degree

Job description

Responsibilities

This role revolves around relationship building, idea generation, strategic business discussions, risk management, credit structuring, industry observations, and other matters of elevated importance.

Manage a portfolio of credit and non-credit relationships of varying size and complexity.

Incumbent is responsible for active market coverage of prospective clients to achieve new client acquisition goals to generate new and incremental margin and fee-based revenue from both credit and non-credit ancillary product sales, including capital markets products and services offered by the Bank.

The RM must be highly experienced in credit matters, able to read, interpret, and understand financial statements and credit issues quickly, and capable of strategic thinking to add value across diverse sectors within the portfolio.

Both delegate and work closely and effectively with the Portfolio Management team and credit to proactively serve the needs of the clients, while expanding the relationships and growing the overall portfolio.

Requirements

• Possess a minimum of 12 years of relevant industry experience.
• Must exhibit 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.
• Must be able to handle difficult and sensitive client relationships and capable of handling tough negotiations, both to win the deal and to legally document the transaction.
• Should be 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
• Formal commercial credit training strongly preferred.
• 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.
• Must be enthusiastic, resilient, and energetic.

Education

• Bachelors Degree required
• Masters Degree preferred

Hours and Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday

Pay Transparency

The salary range for this position is $170,000 - $270,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

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