Corporate Banking Portfolio Manager II
Posted on: January 13, 2022
Citizens Bank is seeking an experienced Portfolio Manager to join
our Atlanta office.
The Portfolio Manager -is responsible for effective credit and risk
administration with particular emphasis on adherence to credit
policy and requirements, financial analysis/modeling, risk
evaluation, on-going portfolio maintenance activities, and as
needed client support for an assigned portfolio of Mid Corporate
clients (annual sales revenue between $500MM and $5B).
This position is responsible for:
Ensuring overall portfolio performance and asset quality remains
strong and is able to independently assess, and, jointly with
Relationship Managers, develop strategies and actions to resolve
issues that could increase risk and/or create loss for the
Independently interacting with senior management of customers and
prospects in order to discuss and resolve risk related issues,
develop and deliver presentations to senior management and at
credit review and approval meetings, exhibits skill at negotiation
and the development of loan structuring options, engages with
Syndications on multi-bank transactions and is skilled in the area
of large exposures and complex credit situations.
Managing a portfolio of the most complex credits and will perform
the functions of the position with only periodic oversight and is
expected to perform with very limited supervisory intervention.
Specific tasks may include:
Assure compliance with Citizens commercial credit policy.
-Effectively maintain high quality credit file documentation.
-Applies credit skills, product knowledge, and sound judgment to
assess credit risk. -Exhibits knowledge of various types of loan
terms and conditions and understanding of loan documentation.
-Consistently adheres to all regulatory compliance
Post Closing Audit for new loans, renewals, and modifications,
running financial models using a variety of formats/systems,
preparing annual reviews, renewal requests, reviewing Borrowing
Base Certificates and surfacing liquidity concerns, preparation of
CPS and appendices, Sponsor/Guarantor analyses, completion of
regular compliance checks. Prepares underwriting documents for new
credit transactions and gains approval, in concert with
Relationship Management. Negotiates loan documents, prepares and
reviews financial models for accuracy, is skilled at addressing
Past Due situations and has extensive knowledge of credit policies
and in particular. -Can complete the most complex underwriting
documents with minimal involvement from the RM or application of
the policies to a variety of situations.
Oversee assigned portfolio of credits and anticipates portfolio
problems and takes action to develop solutions, handles multiple
demands and competing priorities meets deadlines and schedules
associated with maintaining portfolio compliance with credit and
Actively and effectively manage assigned portfolio including, but
not limited to: tracking of delinquency, exceptions, matured loans,
collateral monitoring, financial statement receipt and analysis,
covenant compliance monitoring, annual review process, proper
completion and validation of credit grading models,
quarterly/monthly monitoring requirements, and needed
Provide feedback, direction and oversight by reviewing the work
done by credit analysts or junior PMs who are supporting a senior
level PM with the tasks noted above as part of Portfolio Management
Provide client management support for assigned portfolio. -Regular
level of direct client interaction and can resolve the most complex
issues related to credit monitoring and administration with client
directly. Understands and stays abreast of industry information
related to the customer segment and/or industries represented
within the assigned portfolio. -Shares insights and learnings with
other RMs and PMs. Actively engages with Relationship Managers on
progress, issues, and challenges regarding a particular customer
relationship or portfolio concern. -Pro-actively offers ideas and
solutions to address issues in partnership with RMs. -Develops and
presents credits during reviews and approval meetings, engages with
Syndications on multi-bank transactions, and prepares pitch books
for new client acquisition.
Exhibit expert knowledge or clients/credits included in the
portfolio when interacting with peers, relationship manager, team
leader, and senior managers across departments/work teams. Exhibits
comprehensive written and verbal communication skills. - Regularly
interacts with and develops relationships with existing and
potential customers. - -Fully understands suite of cross sell
services and can convey benefits of such to existing client base.
-May review work of other portfolio managers or credit analysts who
may perform financial analysis or modeling (in support of an expert
level PM) for completeness and accuracy. Regularly acts as a coach
and mentor for junior level PMs and credit analysts. - Pro-actively
builds relationships both within department and across business
unit. Shows ability to influence RMs around credit decisions. -Is
able to view credit/client situations from multiple angles and can
debate the merits of a given transaction and defend position both
internally and externally.
10+ years of experience and exhibited competency in financial
analysis and credit structuring, understanding and applying credit
policy, and credit monitoring and risk administration practices.
Bachelor's Degree required.
Expected to have highly advanced level of credit experience,
documentation experience in proposing and negotiating, both
internally and externally, credit and covenant structures and
Bachelor's Degree in Business, Finance, Accounting, or
Self starter, enjoying working in an entrepreneurial environment,
proven ability in adaptability and problem solving.
Highly skilled in financial modeling and able to quickly structure
credit in modeling environment. -Able to advise RMs on how to
structure the credit relationship.
Exhibits competency at independently reaching conclusions and forms
clear view of credit structure and business risk to Bank.
Has deep understanding of industry nuances applicable to the
credits contained within assigned portfolio.
Displays deep understanding of capital structures, with clear
knowledge of the difference between senior and other layers of
Highly developed communication skills; and ability to influences
others by persuasively presenting thoughts and ideas to gain
commitment and agreement for proposed ideas and solutions.
Strong PC Proficiency and Microsoft Office applications, advanced
knowledge of different financial modeling systems and strong
presentation development and delivery skills.
Hours and Work Schedule
Hours per Week: - - 40+
Work Schedule: - Monday - Friday
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.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies provide
equal employment and advancement opportunities to all colleagues
and applicants for employment without regard to age, ancestry,
color, citizenship, physical or mental disability or perceived
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.
Equal Employment and Opportunity Employer/Disabled/Veteran
Citizens is a brand name of Citizens Bank, N.A. and each of its
Keywords: Citizens, Smyrna , Corporate Banking Portfolio Manager II, Executive , Smyrna, Georgia
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