Portfolio Manager - Franchise Group

Celtic Bank • Salt Lake City, UT

21h • Hybrid

About The Position

Celtic Bank is seeking an experienced, detail-oriented Portfolio Manager to join our Franchise Finance team. This role is responsible for managing the ongoing credit and portfolio oversight of complex franchise relationships across a variety of industries, including restaurant, fitness, retail, and service brands. The ideal candidate will bring a strong background in commercial lending, credit analysis, and risk management, along with an understanding of franchise business models and performance drivers. This individual will play a key role in supporting sound credit decisions, identifying portfolio risks, and contributing to the overall strength and performance of the Franchise Finance portfolio. At Celtic Bank, we value professionalism, collaboration, and exceptional client service. The Portfolio Manager is expected to represent the bank with efficiency, competence, and integrity while maintaining organized and consistent portfolio management practices.

Requirements

• Bachelor’s degree in Finance, Business, Accounting, or a related field preferred.
• 2–4 years of commercial credit experience, ideally within franchise finance or middle-market lending.
• Strong understanding of financial modeling, ratio analysis, and credit risk evaluation.
• Proficiency in Microsoft Office Suite, Adobe, SharePoint/OneDrive, and other business applications.
• Ability to quickly learn new systems and processes in a collaborative environment.
• Strong organizational skills with the ability to manage multiple priorities and deadlines effectively.
• Excellent written and verbal communication skills with the ability to build strong working relationships internally and externally.
• High attention to detail, strong analytical thinking, and independent problem-solving capabilities.
• Ability to maintain professionalism and composure while managing deadlines, delays, and changing priorities.

Responsibilities

• Perform detailed financial analysis of borrower and guarantor financial statements, tax returns, business plans, and financial projections.
• Conduct annual credit reviews and monitor existing loan portfolios for performance trends, covenant compliance, and early warning indicators.
• Prepare clear, concise, and well-supported credit approval memoranda for internal credit committees and regulatory review.
• Evaluate franchisee performance metrics, brand strength, unit-level economics, and competitive positioning.
• Identify key credit and structural risks to help mitigate potential loan losses.
• Partner closely with relationship managers, credit officers, legal counsel, and operations teams to support efficient portfolio oversight.
• Participate in periodic portfolio reviews with internal and external auditors.
• Contribute to ongoing credit policy enhancements and portfolio risk management initiatives.
• Ensure compliance with all applicable regulatory requirements, internal policies, procedures, and best practices.
• Perform additional duties and special projects as assigned.

Benefits

• Medical
• dental
• vision
• 401(k) with employer match
• Life and long-term disability coverage
• HSA and FSA plans
• Holidays and paid time off
• Robust wellness program (catered meals three times a weeks, lunch and learns, and onsite gym.)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree