Regional Portfolio Leader: Credit Strategy & Growth

Citizens; West Conshohocken (PA); On-site; USD 266,000 - 323,000; Full time

Job summary

Citizens is seeking a Regional Head Portfolio Manager in a senior leadership role overseeing underwriting and portfolio management for a large client portfolio. You’ll guide a team of portfolio managers, analysts, and leaders, ensuring credit solutions, collaboration across coverage teams, and adherence to policy while driving risk management and operational efficiency.

The role requires extensive banking experience, strategic oversight, and strong communication skills to lead complex credit

Qualifications

• 15+ 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

Responsibilities

• 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.

Skills

Commercial Banking

Credit risk

Portfolio management

Leadership

Communication

Strategic thinking

Education

BA/BS degree

MBA preferred

Job description

Citizens is seeking a Regional Head Portfolio Manager in a senior leadership role overseeing underwriting and portfolio management for a large client portfolio. You’ll guide a team of portfolio managers, analysts, and leaders, ensuring credit solutions, collaboration across coverage teams, and adherence to policy while driving risk management and operational efficiency.

The role requires extensive banking experience, strategic oversight, and strong communication skills to lead complex credit