Private Bank, CRE Portfolio Manager

Citizens; San Francisco (CA); Hybrid; USD 109,000 - 136,000; Full time

Job summary

Citizens is seeking a Commercial Real Estate Portfolio Manager to oversee credit underwriting, monitoring, and portfolio management for commercial banking relationships. You will analyze financial data, structure transactions, and ensure compliance with credit policies while supporting relationship managers.

The role requires 3+ years of CRE lending experience, strong analytical skills, and excellent communication.

Qualifications

• Bachelor’s Degree is required.
• 3+ years of experience in commercial lending/portfolio management including financial analysis and credit structuring.
• Experience with credit policy and risk monitoring practices.
• Strong credit and documentation experience.
• Proven ability to propose and negotiate credit and covenant structures.
• Strong written/verbal communication and problem-solving skills.

Responsibilities

• Proactive credit and risk administration of assigned CRE portfolio accounts.
• Structuring, underwriting, and documenting new business, renewals, and modifications.
• Provide client management support and direct interaction on credit and risk issues.
• Coordinate with relationship managers to address portfolio concerns and ensure deadlines and policy compliance.

Skills

Credit underwriting

Portfolio management

Financial analysis

Credit structuring

Communication

Education

Bachelor’s Degree

Job description

Description

At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country.

As the Commercial Real Estate Portfolio Manager, you will be responsible for credit underwriting, monitoring, and portfolio management of commercial banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. Your responsibilities will include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio. You will manage moderately complex credits and successfully handle multiple demands and competing priorities while meeting all deadlines and ensuring compliance with credit and risk policies.

As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself.

Primary responsibilities include

• Responsible for proactive credit and risk administration of assigned portfolio accounts in the assigned CRE portfolio.
• 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, including 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

-Bachelor’s Degree required

-3+ years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding, and applying credit policy, and credit monitoring and risk administration practices.

-Expected to have high level of credit and documentation experience.

-Must be skilled in proposing and negotiating and recommending credit and covenant structures for approval.

-Must demonstrate practical and conceptual knowledge of credit and risk analysis.

-Strong communication (written and verbal), presentation, and problem-solving skills

-Poses high attention to detail ensuring accuracy and completion

Hours & Work Schedule

Hours per Week: 40

Work Schedule: M-F (4 days required in office; 1 day work from home)

Location: Boston, MA (Boylston St) or San Francisco, CA (101 California St)

Pay Transparency

The salary range for this position is $109,000 - $136,000 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, budget, 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.

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

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

09/30/2026