Business Banking Credit Product Manager II

2 weeks ago

Short Hills, United States Citizens Full time

Description

As the Business Banking Credit Product Manager (CPM) you will act as the Credit Liaison for your assigned regions within Business Banking. The candidate will partner with Market Managers, Relationship Managers, Underwriters, Portfolio Managers, and Credit Officers to deliver a world class end-to-end credit experience for our clients. The Credit Products Manager (CPM) is a vital role supporting the coverage teams in sizing credit opportunities through but not limited to the following: DSCR/Fixed Charge analysis, Collateral Analysis, Tertiary Support, Sector Selection, and Fundamental Alignment to the Divisions Risk Strategy. A key pillar in this job function is the mentoring and coaching of Market Managers and Relationship Managers to develop the necessary skills to have an advisory led discussion. CPMs will ensure that deal teams have a firm understanding of the accounting nuances that impact a financial discussion along with key drivers that are tailored to bespoke industries by leveraging call pre-call planning tools to facilitate desired call outcomes. CPMs should develop their colleagues with an eye toward effective independence.

Job Responsibilities

+ Participate in prospect and client calls

+ Assist in required pre-screens with the risk team as required; co-led when necessary

+ Co-Author term sheets as required

+ Ensure we have a complete and sound credit package prior to submission

+ Host and facilitate credit training workshops

+ Identify SBA opportunities where appropriate and work SMEs for proper structuring

+ Develop a cohesive strategy with the RM1 coverage teams on effective and ongoing wholesale credit management

+ Coach and support coverage teams with wholesale Watch process

+ Coach and assist sales teams in all aspects of the Credit process including needs analysis, screening loan requests, credit analysis, credit structuring, pricing, negotiations, and credit training

+ Represent business banking in credit related Committees and Group projects Coach, train, and provide guidance to ensure a consistent execution of Retail and Commercial credit policy and credit risk strategies and Serve as a subject matter expert on BCS processes and procedures

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Bachelors Degree required

+ 5+ years Business Banking credit experience

+ Prior background coaching teams

+ Excellent written and communication skills

+ Strong business acumen

Hours & Work Schedule

+ Hours per Week: 40

+ Work Schedule: Monday - Friday 8 AM - 5 PM

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, colleagues or a dependents 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.

09/30/2024

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