Associate Portfolio Manager Franchise Finance & Retail Petroleum

At Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role, and make an impact. While in this role, you will oversee effective credit underwriting, 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 achieve what’s important to you, personally and professionally.

• 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.

• 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.

• Hours per Week: 40
• Work Schedule: M-F
• Originally based in Irvine, CA, but in the third quarter of 2026 will move to Newport Beach, CA, office.

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 https://jobs.citizensbank.com/benefits .

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.