Portfolio Manager - Retail Petroleum

At Citizens, we’re more than a bank. Here, you’ll experience new things, create new opportunities, think beyond your role, and make an impact. As a Portfolio Manager for the Retail Petroleum and Convenience Store sector, you will be responsible for credit underwriting, monitoring, and portfolio management of Commercial banking relationships. Additionally, you will ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. You will also participate in 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. Most importantly, as a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. Primary responsibilities include * Responsible for proactive credit and risk administration of assigned portfolio accounts in the retail petroleum sector * Structuring, underwriting, and documenting new business, renewals and modifications as the credit expert within the first line of defense. * Analyze borrower performance with attention to industry-specific metrics such as fuel volume trends, margin volatility, environmental liabilities, and site-level cash flow performance

• Provide client management support for assigned portfolio.
• Direct client interaction on standard credit and risk follow-up issues.
• Actively engage with Relationship Managers on progress, issues, and

challenges regarding a particular customer relationship or portfolio concern. * Handle multiple demands and competing priorities while meeting deadlines and schedules associated with maintaining portfolio and compliance with credit and risk policies. * Manage moderately complex credits. Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
• 5+ years of underwriting and portfolio management experience.
• Demonstrate a strong technical understanding of reviewing appraisals and

environmental reports. * Effective verbal and written communication skills providing updates and summaries, completing follow up activities with clients and internal partners.

• Bachelors Degree required
• Preferred Qualifications
• Prior experience underwriting and portfolio management in retail petroleum

preferred but not required. * Attention to detail and analysis in financial statements and accounting documents Hours & Work Schedule

• Hours per Week: 40+
• Work Schedule: Mon-Fri

Pay Transparency The salary range for this position is $114,000 - $141,000 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 [ . Equal Employment Opportunity 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. Equal Employment and Opportunity Employer Job Applicant Data Privacy Policy [ 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.