Apply on Employer Site

Citizens · 1 month ago

Associate Portfolio Manager Franchise Finance

Irvine, CA

Full-time

Hybrid

Mid Level

$65K/yr - $78K/yr

Citizens is more than a bank, focusing on creating new opportunities and making an impact. The Associate Portfolio Manager in Franchise Finance will oversee credit underwriting, risk administration, and financial analysis for a portfolio of restaurant finance and retail petroleum credits, ensuring adherence to credit policy and providing client support.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

Assist with processing loan modifications, tracks and collects financial reporting and covenant compliance

Develop solutions and alternative to modifications, including financial covenant structuring

Engage with existing customers on a specific financial analysis or account management issue

Work diligently in managing assigned credits to present information in an organize manner

Responsible for managing the existing portfolio of credits through verification and analysis of financial and collateral information

Use independent judgment and discretion to complete credit memos, cash flow coverage, projections, collateral coverage, spreads, and risk ratings for assigned credits

Work with an assigned group of PMs in support of the activities noted above for moderate to complex credits

Interpret financial statements and make recommendations based on the analysis completed and will advise findings to PM or RM

Answer financial analysis or modeling questions for other credit analysts

Handle multiple accounts on your own, engage in 1:1 client contact, and actively participate in risk discussions

Qualification

CreditRisk administrationFinancial analysisModelingPortfolio managementCredit policy complianceFinancial statement interpretationJudgmentDiscretionEffective communicationCollaborative mindset

Required

Proven experience in credit and risk administration, with a strong understanding of credit policy and compliance requirements

Proficiency in financial analysis, modeling, and risk evaluation, including interpreting financial statements and advising on findings

Demonstrated ability to manage and maintain portfolios, including loan modifications and covenant compliance

Capable of independently completing credit packages, including terms and conditions, cash flow and collateral coverage worksheets, and risk ratings

Strong judgment and discretion in credit decisioning and client engagement

Effective communicator with clients and internal stakeholders, including Credit and Portfolio Managers

Comfortable handling multiple accounts and participating in risk discussions

Collaborative mindset with experience supporting credits and mentoring peers on financial analysis and modeling

Maintains up-to-date knowledge of market trends and industry developments relevant to restaurant finance and retail petroleum sectors

Benefits

Comprehensive medical, dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States

Company

Citizens

Glassdoor3.6

At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.

Founded in 1828

Providence, Rhode Island, USA

10001+ employees

https://www.citizensbank.com/

H1B Sponsorship

Citizens has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2020 (1)