Regional Head Portfolio Manager

Citizens; Conshohocken (Montgomery County); On-site; USD 266,000 - 323,000; Full time

Job summary

Citizens seeks a Regional Head Portfolio Management to lead a large team of portfolio managers, credit analysts, and team leaders. The role oversees underwriting, structuring, pricing, due diligence, and continuous monitoring for a hundreds-strong client portfolio.

The position requires 15+ years in commercial banking with a proven ability to drive risk-adjusted growth, shape credit policy, and manage complex deals. Strong leadership, communication, and change-management skills are essential.

Qualifications

• 15+ years Commercial Banking experience with sole bank, agented and club deal transactions
• Balanced approach to business goals and risk management
• Strong understanding of credit and risk principles, mitigants, and policies
• Proven ability to develop strategic and tactical portfolio solutions
• Ability to multi-task and work under pressure to meet deadlines
• Strong written and verbal communication and negotiation skills
• Flexible change agent capable of leading process and organizational changes
• Experience with direct reports who are managers
• BA/BS and/or MBA in Finance, Business Administration or Accounting

Responsibilities

• Oversee recruitment, training, and development of PMs, team leaders, and analysts
• Ensure PMs deliver credit solutions and collaborate across the division
• Approve credit requests within delegated authority with critical risk assessment
• Assess credit issues, industry trends, and structure terms to mitigate risk
• Improve workflows, optimize resourcing and support divisional goals
• Design and implement policies, procedures, and process changes
• Lead initiatives on model development, credit process improvements, and stress testing
• Maintain strong controls with portfolio monitoring and regulatory compliance
• Coordinate with risk, workouts, product, and operations to manage issues and opportunities

Skills

Commercial Banking

Credit risk

People leadership

Strategic thinking

Negotiation skills

Education

BA/BS degree

MBA preferred

Job description

Description

The Regional Head Portfolio Management is a senior level management position with direct supervision of the division’s team leaders, portfolio managers and credit analysts. The Regional PM is responsible for all aspects of underwriting & portfolio management including transaction structuring, pricing, due diligence, credit approval, portfolio monitoring and problem loan identification for a portfolio of hundreds of clients in the assigned portfolios.

Primary responsibilities include

• Oversee the recruitment, training, coaching, assessing and development of portfolio management team leaders, portfolio managers and analysts within the division.

• Maintain an organization where PMs are empowered and highly engaged in delivering credit solutions to our clients and achieve strong collaboration among the coverage teams in the division.

• Approve credit requests based on delegated approval authority granted providing critical views on credit requests including new business, amendments, and restructures.

• Assess credit issues, performance and industry trends, appropriateness of structural terms and conditions, compliance with policy and underwriting guidelines and provide recommendations to improve structure and mitigate risks.

• Improve workflows, optimize resourcing, and build out an environment that supports the achievement of the division’s goals and budget.

• Design and implement new policies, procedures, strategies and process changes.

• Lead corporate initiatives related to model development, credit process improvements and/or stress testing.

• Build a strong control and early warning environment with timely periodic portfolio and Financial Reviews, ratings assessments, collateral monitoring, tickler reporting, and regulatory compliance to maintain portfolio quality.

• Achieve satisfactory or better ratings from credit review and compliance and meet compliance targets for annual reviews, risk ratings, and covenant compliance monitoring.

• Liaise with portfolio management team Leader, credit risk and workout colleagues on deteriorating credits. Partner with product and operations units to proactively manage issues so that revenue opportunities are maximized and customer satisfaction is maintained.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Requirements:

• 15+ plus years Commercial Banking experience with sole bank, agented and club deal Commercial Banking transactions

• Balanced approach to enable focus on both business unit goals and risk management objectives

• Strong understanding of general credit and risk principles, mitigants, and banking policies and procedures

• Skilled at developing and implementing both strategic and tactical solutions in support of portfolio administration and business unit goals and objectives

• Able to multi task and function under pressure to meet deadlines

• Strong written and verbal communication and negotiation skills

• Flexible change agent able to lead both process and organizational changes

• Skilled at developing and executing on strategic solutions and systems in support of Portfolio Administration and business unit goals and objectives

• Experience with direct reports who are managers

• BA/BS degree, and/or MBA preferably in Finance, Business Administration or Accounting

Hours & Work Schedule

Hours: 40

• Work Schedule: Monday - Friday

Pay Transparency

The salary range for this position is $266,000 - $323,000 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, 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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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.

10/31/2026