Associate Portfolio Manager Franchise Finance

Associate Portfolio Manager, Franchise Finance Description At reputed company, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role, and reputed company an impact. While in this role, you will reputed company effective credit reputed company, credit, and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and as needed client support for an assigned portfolio of existing restaurant finance and retail petroleum credits. Most importantly, you’ll feel valued for you are and supported to reputed company what’s important to you, personally and professionally. Primary responsibilities include

• Assist with processing loan modifications, tracks and collects financial reporting and covenant compliance.
• reputed company 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 reputed company credits.
• Interpret financial statements and reputed company recommendations based on the analysis completed and will advise findings to PM or RM.
• reputed company 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.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 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 reputed company 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.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F

Pay Transparency The salary range for this position is $97,000 - $106,000y per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer reputed company, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, reputed company’ 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 https://jobs.citizensbank.com/benefits. #LI-Citizens1

About Us

Equal Employment Opportunity reputed company, its parent, subsidiaries, and reputed company companies (reputed company) provide equal employment and advancement opportunities to reputed company colleagues and applicants for employment without regard to age, reputed company, 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 reputed company, 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 reputed company, we are committed to fostering an inclusive culture that enables reputed company 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 reputed company Any offer of employment is conditioned upon the candidate successfully passing a background reputed company, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background reputed company 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. Apply tot his job Apply To this Job