Middle Market Relationship Manager

Citizens Bank, N.A.; San Francisco (CA); In loco; USD 170.000 - 270.000; Tempo pieno

Descrizione del lavoro

Citizens Bank is seeking a seasoned Relationship Manager/Sr. Relationship Manager to act as the central client contact, leading the delivery of a broad set of bank products.

Based in the Middle Market team, you will guide complex financings and coordinate with Treasury Partners to serve executive management teams. The role requires deep credit proficiency, strong sales ability, and excellent communication to win deals and document transactions.

Competenze

• 12+ years of relevant industry experience.
• Proven history in soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings.
• Ability to handle difficult and sensitive client relationships and negotiate effectively.
• Independent thinker with strong sales skills and excellent credit skills.
• Highly skilled in financial modeling and capable of structuring credit in a modeling environment.
• Formal commercial credit training strongly preferred.
• Ability to assess business risk considering capital structures and industry nuances.
• Experience in organizing deal teams with product partners to create value for clients.
• Strong communication skills and ability to influence decision makers.
• Enthusiastic, resilient, and energetic.

Mansioni

• Revolve around relationship building, idea generation, strategic business discussions, risk management, and credit structuring.
• Manage a portfolio of credit and non-credit relationships of varying size and complexity.
• Pursue new client acquisition to generate margin and fee-based revenue from credit and non-credit products, including capital markets services.
• Read, interpret, and address financial statements and credit issues with strategic value across sectors.
• Coordinate with Portfolio Management and credit teams to serve client needs and grow the portfolio.

Conoscenze

Relationship management

Credit structuring

Financial modeling

Sales skills

Communication skills

Leadership

Formazione

Bachelor's Degree

Master's Degree preferred

Descrizione del lavoro

Description

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.

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.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.