The Portfolio Manager II is responsible for proactive credit and risk administration of assigned portfolio accounts in our Commercial Banking Midcorp vertical.

Primary responsibilities include:

• Underwriting credit opportunities to both new and existing clients, and ongoing portfolio management of same
• Ideal candidate would have experience in the underwiring of transactions as a lead-left agent
• Quality analysis and risk identification
• Ability to proactively recommend structures and implement action plans
• Strong technical capabilities to maintain accurate risk ratings
• Maintenance of financial reporting and covenant compliance tracking database
• Ability to independently prepare and present new transactions for approval and existing portfolio transactions at periodic portfolio review meetings
• Versed in legal documentation and ability to negotiate and close loans
• Regular client interaction to support and complement Relationship Manager both for new credit and ongoing servicing and problem resolution
• This is a senior position and as such individual must have demonstrated ability to manage complex credits and situations, willingness to support less experienced Portfolio Managers and Analysts, and partake in special projects as needed

Qualifications

Required Skills/Experience:

• 10+ years relevant Commercial Banking experience required
• Experience in the Banking industry preferred with specific experience working with Insurance Carriers & Insurance Service entities
• Competency in financial analysis and credit structuring
• Understanding and applying credit policy, and credit monitoring and risk administration practices
• Expected to have advanced level of credit experience, including legal documentation, and negotiating credit structures both internally and externally
• Excellent verbal, communication, interpersonal and organizational skills required
• Ability to multi-task and function under pressure
• Proficient in PC applications, including excel based projection modeling

Education, Certification, and/or Other Professional Credentials:

• Bachelor’s Degree required

Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday - Friday

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

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