Strategic Mid‑Market Banking Relationship Manager

Citizens; Johnston (RI); On-site; USD 90,000 - 120,000; Full time

Job summary

Citizens is seeking a seasoned Business Banking professional to manage and grow a portfolio of commercial client relationships. You will lead advisory discussions to understand client needs and present loan, deposit and treasury solutions while coordinating with COIs and internal partners across the bank.

The role emphasizes a consultative sales approach, excellent communication, and a strong focus on risk management, compliance and community involvement to expand the customer base.

Qualifications

• 4+ years in upper Business Banking/Lower Middle Market experience.
• Completion of Commercial Credit Training.
• Meaningful experience with moderately complex portfolios, customers, and transactions.
• Strong written and oral communication skills.
• Strong knowledge of sales force and various lending applications.
• Strong sense of customer service, satisfaction and retention.
• Adept at needs identification, problem solving and the consultative sales approach.
• Strong negotiation skills and the ability to overcome objections and adversity
• Following of prospects, customers and COIs
• Ability to self-generate and drive new business development
• Action oriented and self-accountable to superior results
• Strong understanding of risk and compliance
• Meaningful Community involvement
• Strong understanding of core products and services
• Preferred undergraduate degree in business or finance

Responsibilities

• Manage, acquire and deepen a portfolio of new and existing commercial customer relationships within the Business Banking target market of five million to fifty million in annual revenue.
• Provide advisory led discussions to assess client needs and aspirations while positioning value added recommendations that drive customer delight and shareholder value.
• Engage COI’s and internal partners across the bank to uncover and deepen new business opportunities.
• Operate within a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, fee income, customer service and satisfaction.
• Actively engage in significant community activity to expand potential customer base and exemplify our company credo and community commitments.

Skills

Relationship management

Communication skills

Negotiation

Needs identification

Business development

Risk & compliance understanding

Portfolio management

Credit training

Education

Undergraduate degree in business or finance

Job description

Citizens is seeking a seasoned Business Banking professional to manage and grow a portfolio of commercial client relationships. You will lead advisory discussions to understand client needs and present loan, deposit and treasury solutions while coordinating with COIs and internal partners across the bank.

The role emphasizes a consultative sales approach, excellent communication, and a strong focus on risk management, compliance and community involvement to expand the customer base.