Middle Market Relationship Manager III - Emerging Markets

Citizens Bank; Iselin (NJ); On-site; USD 90,000 - 150,000; Full time

Job summary

An established industry player is seeking a Relationship Manager III to lead client interactions in the Middle Market and Emerging Markets sectors. This role is pivotal in managing credit-based relationships for companies with significant annual revenues, where you'll act as a trusted advisor to executive teams. You'll leverage your extensive experience to build relationships, drive strategic discussions, and provide tailored financial solutions, all while ensuring the bank's risk appetite is met. If you're an independent thinker with a knack for relationship management and a strong credit background, this is an exciting opportunity to make a real impact in a dynamic banking environment.

Qualifications

• 10+ years of experience in commercial financing and credit management.
• Strong skills in financial modeling and risk assessment.

Responsibilities

• Manage credit and non-credit relationships for Middle Market clients.
• Identify opportunities and conduct strategic conversations with executives.

Skills

Credit Analysis

Financial Modeling

Sales Skills

Negotiation Skills

Relationship Management

Risk Management

Strategic Thinking

Education

Bachelor's Degree

Master's Degree

Job description

Description

The Relationship Manager III is the central contact person for Middle Market and Emerging Markets clients and is responsible for representing Citizens Bank well in the Community. He/she will be the Relationship quarterback and be responsible for the delivery and maintenance of a wide array of diverse bank products and services through cross-sell partners and acts as a trusted advisor to the client’s executive management team. Must have a strong credit background and be able to represent client’s needs internally to deliver appropriate credit solutions that satisfy the client and meet the Bank’s risk appetite. Within the Middle Market/Emerging Markets team, the Relationship Manager will focus on companies with annual revenue between $25-$200+ million and will be responsible for managing credit-based relationships. Independent worker and excellent collaborator. Must be able to identify opportunities that will solve the client’s needs and importantly, articulate the Bank’s full capabilities and interact at the CEO/Owner level to conduct strategic level conversations.

The role will focus its efforts on New Jersey.

Primary responsibilities include:

• 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.
• Must be able to identify opportunities that will solve the client’s needs and importantly, articulate the Bank’s full capabilities and interact at the CEO/Owner level to conduct strategic level conversations.
• 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 to a diverse set of companies within the portfolio.
• Both delegate and work closely and effectively with the Portfolio Management team to proactively serve the needs of the clients, while expanding the relationships and growing the overall portfolio.

Qualifications

Required Skills/Experience:

• Possess a minimum of 10+ 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.
• 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 a good team player, enthusiastic, resilient, energetic, and of high character.

Education, Certification, and/or Other Professional Credentials:

• Bachelor's Degree required
• Master's Degree preferred
• If not already licensed, must be willing to obtain FINRA Licensing (Series 79, 63, SIE)

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

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens), provides 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, transgendered and transitioning individuals, 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 colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.