Senior Middle Market Relationship Manager – Flexible Work

Citizens Bank; San Francisco (CA); On-site; USD 170,000 - 270,000; Full time

Job summary

Citizens Bank is seeking a seasoned Relationship Manager/Sr. Relationship Manager to act as the central client contact, leading the delivery of a broad set of bank products.

Based in the Middle Market team, you will guide complex financings and coordinate with Treasury Partners to serve executive management teams. The role requires deep credit proficiency, strong sales ability, and excellent communication to win deals and document transactions.

Qualifications

• 12+ years of relevant industry experience.
• Proven history in soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings.
• Ability to handle difficult and sensitive client relationships and negotiate effectively.
• Independent thinker with strong sales skills and excellent credit skills.
• Highly skilled in financial modeling and capable of structuring credit in a modeling environment.
• Formal commercial credit training strongly preferred.
• Ability to assess business risk considering capital structures and industry nuances.
• Experience in organizing deal teams with product partners to create value for clients.
• Strong communication skills and ability to influence decision makers.
• Enthusiastic, resilient, and energetic.

Responsibilities

• Revolve around relationship building, idea generation, strategic business discussions, risk management, and credit structuring.
• Manage a portfolio of credit and non-credit relationships of varying size and complexity.
• Pursue new client acquisition to generate margin and fee-based revenue from credit and non-credit products, including capital markets services.
• Read, interpret, and address financial statements and credit issues with strategic value across sectors.
• Coordinate with Portfolio Management and credit teams to serve client needs and grow the portfolio.

Skills

Relationship management

Credit structuring

Financial modeling

Sales skills

Communication skills

Leadership

Education

Bachelor's Degree

Master's Degree preferred

Job description

Citizens Bank is seeking a seasoned Relationship Manager/Sr. Relationship Manager to act as the central client contact, leading the delivery of a broad set of bank products.

Based in the Middle Market team, you will guide complex financings and coordinate with Treasury Partners to serve executive management teams. The role requires deep credit proficiency, strong sales ability, and excellent communication to win deals and document transactions.