Business Banking Investment Commercial Real Estate Underwriter Portfolio Manager

Job 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.

Primary responsibilities include:

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.

Required Skills/Experience:

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.

Education:

Bachelor's Degree preferred

Hours & Work Schedule

Hours per Week: 40

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

Pay Transparency

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

Required Skills

• Advising
• Analytical Reasoning
• Banking Regulations & Compliance
• Commercial Loans
• Corporate Banking
• Credit Analysis
• Credit Deal Execution
• Customer Due Diligence (CDD)
• Customer Journey Orchestration
• Diversity and Inclusion (D&I) Strategy and Policy
• Financial Advising
• Financial Modeling
• Proactive

About Us

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.

Job Info

• Job Identification 47068
• Job Category Credit, Underwriting & PM
• Posting Date 05/26/2026, 06:25 PM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Job Shift 1st
• Locations 200 Station Drive, Westwood, MA, 02090, US 300 Barr Harbor Dr, West Conshohocken, PA, 19428, US 101 Wood Avenue South, Iselin, NJ, 08830, US 101 JFK Parkway, Short Hills, NJ, 07078, US
• Working Hours 40
• Career Site Category Business Banking