Associate Portfolio Manager Franchise Finance & Retail Petroleum

Citizens • Boston, MA • 10h ago

Description

Associate Portfolio Manager, Franchise Finance

Description

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.

Primary responsibilities include

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.

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.

Hours & Work Schedule

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.

Pay Transparency

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 .

LI-Citizens1

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.

08/08/2026

Similar Jobs

District Sales Manager

EquipmentShare • Whitman, MA • 4h ago

Retail & Hospitality

Build the Future with Us - EquipmentShare is Hiring a District Sales Manager At EquipmentShare, we're not just filling a role - we're assembling the best team on the planet to build something that's never been built befo...

4h ago

Go to Apply

Retail Store Associate - Part Time (Nights and Weekends)

OCEAN STATE JOB LOT • Avon, MA • 10h ago

Retail & Hospitality

Rate: $15 USD per hour Description Compensation for this opportunity is based on candidate experience and position Join our team! All associates receive a 30% discount! The compensation range for this opportunity is $15....

10h ago

Go to Apply

Overnight Cook

Wegmans • Chestnut Hill, MA • 13h ago

Retail & Hospitality

Schedule: Part time Availability: Overnight (Including Weekends). Age Requirement: Must be 18 years or older Location: Chestnut Hill, MA Address: 200 Boylston Street Pay: $19.50 - $20.50 / hour Job Posting: 07/17/2026 Jo...

13h ago

Go to Apply

Senior Merchandise Specialist

Staples • Framingham, MA • 1d ago

Retail & Hospitality

Staples is business to business. Your what binds us together. Our merchandising team aims to deliver the best value and selection to our customers through products, services and solutions all centered around our customer...

1d ago

Go to Apply

Cashier

Wegmans • Medford, MA • 1d ago

Retail & Hospitality

Schedule: Part time Availability: Applying To This Requisition Allows You To Be Considered For Multiple Opportunities. Please Provide As Much Availability That Works With Your Schedule. Age Requirement: Must be 18 years...

1d ago

Go to Apply

Cashier Part Time

Lowe's • Abington, MA • 1d ago

Retail & Hospitality

Your Impact at Lowe's As a Lowe's cashier, you'll ensure every customer exits Lowe's on a high note. Your work helps our stores positively serve our customers and communities by providing a quick, friendly checkout exper...

1d ago

Go to Apply

Hotel Housekeeping Manager - Homewood Suites Canton

Buffalo Lodging Associates, LLC • Canton, MA • 1d ago

Retail & Hospitality

Description We are currently looking for an Executive Housekeeper to join our Team! Our Homewood Suites in Canton has 98 spacious suites with full kitchens. We are just south of Boston, you can easily take the nearby 128...

1d ago

Go to Apply

Delivery Station Warehouse Associate

Amazon • Revere, MA • 1d ago

Retail & Hospitality

Amazon Delivery Station Warehouse Associate Job Overview You'll be part of the dedicated Amazon team at the delivery station - the last stop before we deliver smiles to customers. Our fast-paced, active roles receive tru...

1d ago

Go to Apply

Restaurant Busperson - Hilton Boston Park Plaza

Hilton • Boston, MA • 1d ago

Retail & Hospitality

Job Identification: 214948 Job Category: Food and Beverage Job Schedule: Full time Salary $30.25/USD/hourly Equal Opportunity Employer EOE, including disability/vets Exceptional Hospitality Starts with You Picture yourse...

1d ago

Go to Apply

Banquet Cook

Marriott • Boston, MA • 1d ago

Retail & Hospitality

Additional Information Job Number 26088814 Job Category Food and Beverage & Culinary Location 606 Congress St, Boston, Massachusetts, United States, 02210 VIEW ON MAP ( https://www.google.com/maps?q=606%20Congress%20...

1d ago

Go to Apply

Subscribe to get new jobs sent directly to you
(no charge, cancel anytime)