Citizens · 1 month ago
Associate Portfolio Manager Franchise Finance
1 Park Plaza, Irvine, CA, 92614, US
Full-time
Onsite
Mid LevelCitizens is more than a bank, offering opportunities for personal and professional growth. The Associate Portfolio Manager will oversee credit underwriting and risk administration, focusing on financial analysis and portfolio maintenance for restaurant finance and retail petroleum credits.
BankingCredit CardsFinancial ServicesFinTechRetail
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
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
Company
Citizens
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
10001+ employees
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)
Funding
Current Stage
Public CompanyTotal Funding
$2B2025-02-26Post Ipo Debt· $750M
2024-07-09Post Ipo Debt· $1.25B
2014-09-23IPO
Leadership Team
Melisa Carrascoza
SVP, Business Banking Market Executive - New England South
Steve Kozek
Head of Commercial Excellence, Senior Vice President
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