Relationship Manager II Warehouse Lending

First Citizens Bank • New York, NY

16h • Hybrid

About The Position

This is a hybrid role that can only be hired in NY, Boston or Nor Cal. This role is responsible for managing the execution of multiple private credit transactions, monitoring existing credit risk, originating new business, conducting financial modeling and analysis, and some contributions to team development. This position also supports senior team members in ensuring controls are in place and helps identify potential risks within the business unit as well as helping support or lead company prospecting efforts. Ensures alignment and compliance with corporate strategy, internal policy, applicable laws, and regulations.

Requirements

• Bachelor's Degree and 4 years of experience in Warehouse Lending OR High School Diploma or GED and 8 years of experience

Nice To Haves

• Finance, Economics, Accounting or Business degree
• Commercial Banking, Asset Backed Finance, Debt Capital Markets, Private Credit, Warehouse Lending, Corporate Finance experience
• Strong Accounting skills
• Experience with business/data analytics
• Teamwork and deadline oriented with strong initiative

Responsibilities

• Serve as the primary point of contact for assigned fintech warehouse lending clients.
• Support, monitor, and analyze client collateral credit performance for asset backed finance (ABF) transactions.
• Oversee the Associate in preparing modeling and analysis for existing transactions.
• Serve as the primary point of contact for Portfolio Management and the client for proactively monitoring and analyzing collateral credit performance and industry trends.
• Prepare monthly and quarterly portfolio reviews and risk assessments.
• Collaborate with internal teams to ensure client satisfaction and retention.
• Mentor and coach junior team members on portfolio management best practices.
• Lead the deal team underwriting process for select new and existing warehouse lending facilities.
• Analyze collateral tapes, client due diligence files, financial statements, business plans, and market conditions to assess credit risk.
• Lead investor due diligence calls.
• Prepare and present credit memoranda and recommendations to approval committees.
• Negotiate terms and conditions with clients and legal counsel balancing risk and profitability, while ensuring compliance with internal credit policies and regulatory requirements.
• Coordinate with legal, operations, and other internal teams throughout the deal process.
• Identify and pursue new business opportunities within the private credit direct warehouse lending sector.
• Participate in industry events and networking activities to build relationships.
• Contribute to the development and implementation of strategic growth initiatives.
• Stay informed about market trends, competitive landscape, and regulatory changes.
• Collaborate with senior team members on process improvements and product development.

Benefits

• Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

What This Job Offers

• Career Level: Senior
• Number of Employees: 5,001-10,000 employees