Middle Market Relationship Manager

Citizens Financial; San Francisco (CA); In loco; USD 170.000 - 270.000; Tempo pieno

Vantaggi offerti da questo lavoro

Benefits package

Medical, dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Descrizione del lavoro

Citizens Financial seeks a seasoned Relationship Manager to lead a portfolio of middle market clients. You will structure sophisticated financings, read financial statements, and drive revenue with product partners across credit and non-credit offerings.

Ideal candidates bring 12+ years of experience, strong sales and credit skills, and an ability to orchestrate deal teams. The role emphasizes executive-level advisory through collaboration and performance.

Competenze

• 12+ years of relevant industry experience.
• Experience soliciting, selling, developing, servicing, and structuring a wide range of commercial financings, including complex transactions.
• Ability to read, interpret, and analyze financial statements and credit issues quickly.
• Strong sales skills and excellent credit skills.
• Experience leading deal teams with product partners to deliver value-added solutions.

Mansioni

• Manage a portfolio of credit and non-credit relationships of varying size and complexity.
• Generate new client acquisition and incremental revenue from credit and non-credit products, including capital markets services.
• Lead credit structuring and financial modeling to support risk-adjusted decisions.
• Collaborate with Portfolio Management and credit teams to serve client needs and grow the portfolio.
• Mentor teams, plan deal execution, and influence stakeholders to gain commitment.

Conoscenze

Credit skills

Financial modeling

Sales skills

Communication skills

Independent thinker

Self-starter

Leadership

Formazione

Bachelor's degree

Masters degree preferred

Descrizione del lavoro

The Relationship Manager/Sr. Relationship Manager is the central contact person for clients; he/she quarterbacks the delivery and maintenance of a wide array of diverse bank products and services through collaboration with partners and acts as a trusted advisor to the client's executive management team. Within the Middle Market team, the Relationship Manager will focus on clients from core to upper middle market.

This role is ideal for a seasoned banker skilled in navigating complex corporate structures, structuring sophisticated financings, collaborating with Treasury Partners and leading clients through all capital markets needs.

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.
• 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.

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 .