Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Portfolio Optimization Relationship Manager is a strategic professional who follows latest trends in their own field and adapts them for application within own job and the business. Excellent communication skills required to negotiate externally as well as internally. Developed diplomacy skills are required to guide, influence, and convince others, particularly customers as well as other internal partners. Accountable for significant direct business results and authoritative advice regarding the operations of the business. Makes strategic decisions and responsible for escalating relevant situations appropriately. Ability to undertake and manage multiple projects for desired results.

Responsibilities:

Assesses the portfolio of clients and defines a strategy that best suits Citi and clients' interestsCalls on clients to negotiate and manage relationships and proactively owns, responds to, uncovers and anticipates future needs, roadblocks or risks, and expectationsPartners with other teams within the Commercial Bank, Retail Bank, and other areas to assess clients within CCB and other line of businessesWorks with the team to develop an exceptional level of client service and to build solid relationships that will lead to substantial improvements in profitability.Manage relationships with large credit exposures, coordinating and supervising the entire process, ensuring the proper application of policies and institutional processesLead highly sensitive and complex discussions with clients regarding the restructuring, reduction, or termination of credit relationships. This includes developing and executing sophisticated de-marketing strategies for credit relationships that no longer align with Citi’s strategic objectives, risk appetite, or regulatory mandates. Demonstrate exceptional diplomacy, negotiation, and persuasive communication skills to navigate these challenging conversations, ensuring decisions are conveyed clearly, ethically, and with minimal impact on Citi's reputation or broader client relationships. Proactively manage client expectations and objections, offering clear rationales and facilitating smooth transitions in strict adherence to all internal policies and regulatory requirements. This requires an advanced ability to balance Citi's interests with maintaining client goodwill, even in adverse circumstances.Experienced in underwriting principals and risk managementExecutes strategic initiatives launched centrally at all levelsAppropriately assesses risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgement regarding personal behavior, conduct, business practices, and escalating, managing and reporting control issues with transparency.Ensures the appropriate “Know Your Client” (KYC) and other compliance deliverables are metEnsures compliance with regulatory requirements and Citi's policies / guidelines at all timeAbility to mentor, guide and lead the junior team members regularly   

Qualifications:

10+ years of relevant experience in the commercial banking industrySound knowledge of banking and investment products and process as well as a track record of providing sound banking and financial advice and solutions to clientsHighly focused, able to rapidly identify key priorities, clearly communicate the prioritiesDemonstrates intermediate to advanced credit skills; structures more complex deals, including global transactionsDemonstrates an expert level of Early Warning Detection skillsDemonstrates advanced Citi’s credit-process and credit-appetite knowledgeAbility to work effectively in team settingAbility to coordinate multi-functional teams to provide an exceptional client experience.Excellent interpersonal, communication and influencing skills (e.g. negotiation, consultative skills, leadership,)Ability to work under pressure while making sound decisionsHighly focused, able to rapidly identify key priorities, clearly communicate the prioritiesAccountable for significant direct business results or authoritative advice regarding the operations of the business.A proactive approach in looking for ways in strengthening business relationship with clients, delivers a simple, secure and seamless client experienceAbility to embrace new technology and understand the role digital plays in the experience we deliver for our clientsAble to quickly adapt priorities based on the latest data insightsEducation: Bachelor’s degree, Master’s degree preferred

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Job Family Group:

Commercial and Business Sales

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Job Family:

Relationship Management

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Time Type:

Full time

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Primary Location:

Miami Florida United States

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Primary Location Full Time Salary Range:

$158,400.00 - $237,600.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Jan 15, 2026

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.