Job DescriptionWhile in this role, you will be the central contract person for credit based clients and will quarterback the delivery and maintenance of a wide array of diverse bank products and services through cross selling. Furthermore, you will partner and act as a trusted advisor to the client's executive management team. Additionally, you will focus on companies with annual revenues between $25-500 million and will typically be responsible for managing 2023 credit based relationships with average loan outstanding's of approximately of approximately $100 million plus other noncredit relationships and generating annual incremental fee income of at five hundred thousand dollars per year.
Primary responsibilities include- Works with Senior management, Relationship managers, investment banking partners and other credit professionals to originate, monitor and grow middle market banking relationships.
- Drives credit underwriting, modeling, portfolio monitoring, as well as assisting with office risk management duties.
- Works in partnership with Relationship managers to coordinate pricing, revenue growth, cross sell and relationship profitability.
- Manages and promotes the maintenance of a portfolio that adheres to all applicable credit policies and compliance requirements.
- Interacts with clients directly to understand business needs and represent Citizens in developing and maintaining client relationships.
Qualifications, Education, Certifications and/or Other Professional Credentials- Possess a minimum of 12 years of relevant industry experience.
- Must exhibit a history of competency and success in soliciting, selling, developing, servicing, and structuring a wide range of secured and unsecured commercial financings, including complex transactions.
- Must be able to handle difficult and sensitive client relationships and capable of handling tough negotiations, both to win the deal and to legally document the transaction.
- Should be an Independent thinker and self-starter with strong sales skills and excellent credit skills.
- Highly skilled in financial modeling and able to appropriately structure credit in a modeling environment
- Formal commercial credit training strongly preferred.
- Must be able to independently assess business risk, taking into consideration capital structures and industry nuances as applicable.
- Capable of actively planning, organizing and managing a deal team, consisting of applicable product partners, to determine value-added approaches to clients and potential clients.
- Will require highly developed communication skills and the ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
- Must be enthusiastic, resilient, and energetic.
- Education:
- Bachelors Degree required
- Masters Degree preferred
Hours & Work Schedule- Hours per Week: 40+
- Work Schedule: Mon-Fri
