Associate Portfolio Manager - Franchise Finance

Primary Responsibilities

• Aid in processing loan modifications.
• Track and collect financial reporting and covenant compliance.
• Develop solutions and alternatives to modifications, including financial covenant structuring.
• Engage with existing customers on specific financial analysis or account management issues.
• Manage assigned credits to present information in an organized manner.
• Manage 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.
• Interpret financial statements and make recommendations based on the analysis completed, advising findings to PMs 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.

Qualifications, Education, Certifications And/or Other Professional Credentials

• 3-5 years of 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.

Pay, Benefits & Schedule

The salary range for this position is $91,000 - $115,000 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 here.

Hours per Week: 40
Work Schedule: M-F

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.

Note

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 here.