Business Banking Investment Commercial Real Estate Underwriter Portfolio Manager

Description

The Portfolio Manager IV is responsible for ensuring overall portfolio performance and asset quality remains strong and is able to independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank.

• 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, in order to discuss and resolve risk related issues.
• Independent review of financials, makes recommendations for approval of annual review/renewal, modifications, as well as, underwrites and recommends new money requests for approval to credit officers.

• 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.

• Bachelor's Degree preferred

Hours per Week: 40

Work Schedule:

8:30AM - 5:00PM, Monday - Friday

The salary range for this position is $118,000 - $146,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and 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 every local and state jurisdiction in the United States. For an overview of our benefits, visit

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.

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, 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.

At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

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.