Senior Relationship Manager - Middle Market

Citizens; Coral Gables (FL); On-site; USD 180,000 - 320,000; Full time

Job summary

Citizens is seeking a senior professional to serve as the central contract point for credit-based clients, delivering and maintaining a broad suite of bank products and services. You will work with executives to manage 20+ credit relationships and drive incremental fee income while ensuring compliance with credit policies.

The role emphasizes leadership in underwriting, modeling, and cross-functional collaboration with senior management and investment banking partners to optimize revenue growth

Qualifications

• Requires at least 12 years of relevant industry experience.
• Proven history of soliciting, selling, developing, servicing, and structuring commercial financings.
• Independent thinker with strong sales and credit skills.
• Highly skilled in financial modeling and credit structuring.

Responsibilities

• Originate, monitor and grow middle market banking relationships with senior management and partners.
• Drive credit underwriting, modeling, portfolio monitoring and risk management tasks.
• Collaborate with relationship managers on pricing, cross-sell and profitability.
• Maintain a portfolio compliant with credit policies and regulatory requirements.
• Engage with clients to understand business needs and represent Citizens to executives.

Skills

Credit underwriting

Relationship management

Negotiation

Financial modeling

Education

Bachelor's Degree

Master's Degree

Job description

Description

At Citizens we’re more than a bank and as a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. While in this role, you will be the central contract person for credit based clients and will quarterback the delivery and maintenance of a wide array of diverse bank products and services through cross selling. Furthermore, you will partner and act as a trusted advisor to the client’s executive management team. Additionally, you will focus on companies with annual revenues between $25-500 million and will typically be responsible for managing 20+ credit based relationships with average loan outstanding’s of approximately $100 million plus other noncredit relationships and generating annual incremental fee income of at five hundred thousand dollars per year.

Primary Responsibilities Include

• Works with Senior management, Relationship managers, investment banking partners and other credit professionals to originate, monitor and grow middle market banking relationships.
• Drives credit underwriting, modeling, portfolio monitoring, as well as assisting with office risk management duties.
• Works in partnership with Relationship managers to coordinate pricing, revenue growth, cross sell and relationship profitability.
• Manages and promotes the maintenance of a portfolio that adheres to all applicable credit policies and compliance requirements.
• Interacts with clients directly to understand business needs and represent Citizens in developing and maintaining client relationships.

Qualifications, Education, Certifications And/or Other Professional Credentials

• Possess a minimum of 12 years of relevant industry experience.
• Must exhibit a history of competency and success in soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings, including complex transactions.
• Must be able to handle difficult and sensitive client relationships and capable of handling tough negotiations, both to win the deal and to legally document the transaction.
• Should be an Independent thinker and self-starter with strong sales skills and excellent credit skills.
• Highly skilled in financial modeling and able to appropriately structure credit in a modeling environment
• Formal commercial credit training strongly preferred.
• Must be able to independently assess business risk, taking into consideration capital structures and industry nuances as applicable.
• Capable of actively planning, organizing and managing a deal team, consisting of applicable product partners, to determine value-added approaches to clients and potential clients.
• Will require highly developed communication skills and the ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
• Must be enthusiastic, resilient, and energetic.
• Education:
• Bachelors Degree required
• Masters Degree preferred

Hours & Work Schedule

• Hours per Week: 40+
• Work Schedule: Mon-Fri

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

Posting End Date: 12/12/2026