Portfolio Manager Middle Market Corporate Banking

Citizens; Coral Gables (FL); Hybrid; USD 95,000 - 130,000; Full time

Job summary

Citizens is expanding in South Florida and Tampa, seeking Portfolio Managers to perform full-cycle underwriting and portfolio management within a seasoned coverage team. You will analyze financial statements, tax returns, and credit information to present recommendations on commercial loan requests and modifications.

Responsibilities include proactive credit administration, structuring and documenting loans, client management, and collaboration with relationship managers, while balancing

Qualifications

• 4+ years of underwriting and portfolio management experience in C&I/CRE/Commercial banking.
• Bachelor's degree required.
• Strong communication skills and ability to collaborate with clients and internal partners.

Responsibilities

• Proactively manage credit and risk for assigned portfolio accounts.
• Structure, underwrite, and document new business, renewals and modifications as credit expert.
• Provide client management support for assigned portfolio.
• Direct client interaction on standard credit and risk follow-up issues.
• Collaborate with relationship managers on progress and portfolio concerns.
• Handle multiple demands while meeting deadlines and ensuring compliance with policies.
• Manage moderately complex credits.

Skills

Underwriting

Portfolio management

Credit analysis

Client management

Education

Bachelor's degree

Job description

Expansion in South Florida and Tampa is driving new openings for Portfolio Managers who enjoy working full cycle underwriting and portfolio management activities with a seasoned coverage team. While in this role, you will work in a team environment and analyze, underwrite, and present credit recommendations on Commercial loan requests and/or modifications. Furthermore, your analysis will include in-depth review of financial statements, tax returns and relevant credit information. Most importantly, you’ll feel valued for who are and supported to achieve what’s important to you, personally and professionally.

Primary Responsibilities Include

• Responsible for proactive credit and risk administration of assigned portfolio accounts.
• Responsible for structuring, underwriting, and documenting new business, renewals and modifications as the credit expert within the first line of defense.
• Provides client management support for assigned portfolio.
• Direct client interaction on standard credit and risk follow-up issues.
• Actively engages with relationship managers on progress, issues, and challenges regarding a particular customer relationship or portfolio concern.
• Handles multiple demands and competing priorities while meeting deadlines and schedules associated with maintaining portfolio and compliance with credit and risk policies.
• Manages moderately complex credits.

Qualifications, Education, Certifications And/or Other Professional Credentials

• Required Qualifications
  • 4+ years of experience in underwriting and portfolio management with C&I/CRE/Commercial banking
  • Bachelors degree required
• Preferred Qualifications
  • Strong communication skills and proven ability to work well with clients and internal partners
  • Demonstrate credit analysis background working on new to new loans and existing portfolio.

Hours & Work Schedule

• Hours per Week: 40+
• Work Schedule: Mon - Fri, 4 days in office, 1 day remote

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.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Posting End Date: 12/12/2026