Senior Middle-Market Relationship Leader

First Citizens Bank; Mission Viejo (CA); On-site; USD 185,000 - 240,000; Full time

Job summary

First Citizens Bank is seeking a Director Relationship Manager - Middle Market to lead a portfolio of mid-sized clients, act as the primary financial advisor, and structure tailored banking solutions across financing, treasury, and wealth management.

The role emphasizes growth, risk management, and strategic advisory for business owners and executives, leveraging extensive credit expertise in a collaborative bank environment.

Qualifications

• Bachelor's Degree with 8 years in Commercial Banking or related field, or HS Diploma with 12 years of experience.
• MBA, Business Administration, Finance, Economics preferred.
• 12 years in Middle Market Banking or Corporate Banking.
• Formal Credit Training.
• Proven ability to acquire clients and sell commercial lending products.

Responsibilities

• Develop and maintain a portfolio of middle market companies with revenues typically ranging from $75MM to $1bn.
• Serve as the primary relationship manager and trusted financial advisor, providing strategic guidance on financing, cash flow management, capital investment, acquisitions, and growth initiatives.
• Source, originate, and close new commercial banking relationships through proactive business development, community involvement, and centers of influence, including attorneys, CPAs, and business advisors.
• Lead cross-functional teams to deliver comprehensive banking solutions, including commercial lending, treasury management, depository services, capital markets, interest rate risk management, and wealth management.
• Expand wallet share by identifying opportunities for product penetration and relationship growth across the client's organization.
• Analyze complex financial statements, cash flows, and business performance metrics to assess creditworthiness and structure financing solutions.
• Partner with Credit Administration to underwrite, negotiate, and manage commercial banking relationships while maintaining prudent credit standards.
• Monitor portfolio performance, identify emerging risks, and proactively implement risk mitigation strategies.
• Present credit recommendations and relationship strategies to senior credit and executive management committees.
• Provide strategic thought leadership and financial expertise to business owners and executives.
• Coordinate internal resources to deliver exceptional client experiences and ensure timely execution of complex transactions.

Skills

Relationship management

Business development

Credit underwriting

Strategic advisory

Portfolio management

Education

Bachelor's degree

MBA (preferred)

High School Diploma or GED

Job description

First Citizens Bank is seeking a Director Relationship Manager - Middle Market to lead a portfolio of mid-sized clients, act as the primary financial advisor, and structure tailored banking solutions across financing, treasury, and wealth management.

The role emphasizes growth, risk management, and strategic advisory for business owners and executives, leveraging extensive credit expertise in a collaborative bank environment.