Description At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. As the Commercial Real Estate Portfolio Manager, you will be responsible for credit underwriting, monitoring, and portfolio management of commercial banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. Your responsibilities will include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio. You will manage moderately complex credits and successfully handle multiple demands and competing priorities while meeting all deadlines and ensuring compliance with credit and risk policies. As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. The Portfolio Manager III is responsible for ensuring overall portfolio performance and asset quality remains strong and can independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank. Primary responsibilities include: 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 of pooled or individual portfolio. + Independent interaction with Senior Management, Sales Team, Credit Products Manager, Credit Officer, and Workout Officer, to discuss and resolve risk related issues. + Independent review of financials and makes recommendations for approval of annual review/renewal, modifications, as well as underwrites and recommends new money requests for approval to credit officers. Required Skills/Experience: + 7-10 years of experience and exhibited competency in various aspects of commercial real estate lending and/or portfolio management including financial analysis and credit structuring, understanding, and applying credit policy, and credit monitoring and risk administration practices. + Superior knowledge of loan and related legal documents. + Must be skilled in proposing, negotiating, and recommending credit and covenant structures. + Must demonstrate practical and conceptual knowledge of credit and risk analysis and Banking regulations. + Strong communication skills and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions. + Superior understanding of commercial real estate industry nuances applicable to the credits contained within group’s portfolio. + Ability to think critically, solve problems, strong attention to detail and effective decision maker. Education: + Bachelor's Degree required. + Formal credit training preferred. Hours & Work Schedule Hours per Week: 40 Work Schedule: 8:30AM - 5:00PM, Monday - Friday Pay Transparency The salary range for this position is $110,000 - $130,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, relevant skills, and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits. Why Work with 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 It is the policy of Citizens Bank and Citizens Securities, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws. Equal Opportunity & Affirmative Action Employer Disabled/Veteran Citizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries, and Citizens Bank of Pennsylvania. 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 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. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. 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 Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 12/01/2024