Associate Portfolio Manager

Job Opportunity at Citizens Bank

At Citizens, you'll experience new things, create new opportunities, think beyond your role, and make an impact. Within this role, you will be responsible for effective credit and risk administration. Additionally, you are responsible for adherence to credit policy and requirements. You will oversee financial analysis and modeling, risk evaluation, and ongoing portfolio maintenance activities. Lastly, you will provide client support for assigned portfolios of Business Banking clients. Primary responsibilities include :

• Ensuring all necessary credit files are present and up to date.
• Preparing and submitting internal reporting / compliance documents for assigned portfolio.
• Completing written summaries of industry issues and information.
• Assisting with processing loan modifications, tracking and collecting financial reporting, covenant compliance, and collateral requirements.
• Confirming the accuracy of risk ratings and changes as warranted.
• Developing solutions and alternatives to modifications, including financial covenant structuring.
• Engaging with existing customers on specific financial analysis or account management issues.
• Responding to questions from Credit independently.
• Identifying opportunities to cross-sell bank products and services to existing customers.
• Managing assigned credits to present information in an organized manner.
• Managing the existing portfolio of straightforward credits / customers through verification and analysis of financial and collateral information.
• Using independent judgment and discretion to complete credit packages.
• Preparing relationship data on commercial customers / prospects and accurately identifying total bank exposure.
• Working with an assigned group of PMs in support of the activities noted above for moderately complex credits.
• Interpreting financial statements and making recommendations based on the analysis completed.
• Answering financial analysis or modeling questions for other credit analysts.
• Working independently to complete a whole AR or UW.
• Handling multiple accounts on your own, engaging in 1 : 1 client contact, and actively participating in risk discussions.

Qualifications, Education, Certifications, and / or Other Professional Credentials :

Hours & Work Schedule :

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. At Citizens, we are committed to fostering an inclusive culture that enables all 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.

Why Work for Us : At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Background Check : Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check 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.