Skip to main content

Middle Market Corporate Banking Portfolio Manager I

Commercial Banking

Southfield, Michigan

Job ID: 225362

Full/Part Time: Full Time

Shift: 1ST


Working in a team environment, the Portfolio Manager will:

  • Analyze, underwrite, and present credit recommendations on commercial loan requests and/or modifications.  Analyses will include in-depth review of financial statements, tax returns and relevant credit information
  • Preparation of underwriting documents will also include collateral analysis on multiple asset classes, preparation of pricing and risk rating models
  • Completion of the credit proposal summary in accordance with Citizens Financial Group policy
  • Responsible for system and spreadsheet tracking of loan covenant compliance, financial ticklers, and spreading all the F/S
  • Must keep relationship managers readily informed of issues or developments
  • Interaction with Bank clients and prospects
  • Tracking of doc exceptions, past dues and PD changes, field exams, Borrowing Base reports, and covenant exceptions
  • Pull reports from internal system, prepare compliance check lists, and assist in remediating compliance exceptions
  • Ensure data integrity and verify loan booking packages
  • Continuously monitor and coordinate information for Credit Review
  • File reports, and resolve all issues in a timely and efficient manner
  • Mentor junior talent on the team


  • 7+ 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. MBA a plus
  • Expected to have an advanced level of credit experience, documentation, experience in proposing and negotiating, both internally and externally, credit and covenant structures and documenting loans
  • Must demonstrate superior practical and conceptual knowledge of credit and risk analysis                                                                                                    
  • Highly skilled in financial modeling and ability to quickly structure credit in a modeling environment
  • Experience with Commercial Loans in the Middle Market space dealing with revenues from $25m to $500m strongly preferred
  • 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 debt
  • In depth knowledge of loan and related legal documents
  • Actively participates in group meetings with customers up to the most senior level, RMs, Team Leaders and credit and product partners
  • 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
  • Word, Excel, Power Point, spread sheet modeling, and presentation development and delivery skills.  Advanced knowledge of different financial modeling systems

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

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 value diversity, equity and inclusion, and treat everyone with respect and professionalism. 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.


We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

View Benefits

Awards We've Received


Bloomberg Gender Equality Index, Standout


Top Regional Company for Diversity


Forbes America's Best Large Employers


FORTUNE’s World’s Most Admired Companies


The Banker’s Bank of the Year


Dave Thomas Foundation for Adoption Top 100 Best Adoption-Friendly Workplace


Disability Equality Index Best Places to Work for Disability Inclusion


Human Rights Campaign Best Places to Work for LGBTQ Equality

  • Audit Manager Johnston, Rhode Island; Iselin, New Jersey; Westwood, Massachusetts Johnston, Rhode Island, Iselin, New Jersey, Westwood, Massachusetts
    View Job
  • Capital Management Manager Boston, Massachusetts; Providence, Rhode Island; Westwood, Massachusetts Boston, Massachusetts, Providence, Rhode Island, Westwood, Massachusetts
    View Job
  • Senior Data Scientist Columbus, Ohio; Johnston, Rhode Island; Westwood, Massachusetts Columbus, Ohio, Johnston, Rhode Island, Westwood, Massachusetts
    View Job