Finance analyst serp_jobs.h1.location_city

Overview

The Analyst III position in Leveraged Finance is a credit underwriting and portfolio management role focused on completing acquisition, recapitalization, and refinancing transactions for new and existing corporate and private equity owned customers of Citizens Bank. The position requires constant interaction with internal colleagues from Commercial Banking, Credit Risk Management, and Capital Markets. The candidate will be working as part of a deal team on underwriting new financing opportunities, which includes obtaining internal credit approval and managing the loan documentation and closing process. Analysts will be directly involved in completing underwriting due diligence, identifying key transaction risks and mitigating factors, and obtaining credit approval for proposed transactions. In addition, day-to-day activity will involve supporting senior team members with portfolio management responsibilities, including, but not limited to : Quarterly Portfolio Reviews, Asset Quality Reporting, Covenant Tracking, Financial Statement Analysis, and completion of various internal modeling tools.

Responsibilities

Assisting in the completion of new and existing loan underwriting due diligence, including preparation of deal screening memos, identification of risks and mitigants, new credit approval requests, preparation of three-statement financial models, financial statement spreading, in-depth financial analysis, and completion of comparable debt and enterprise value analysis

Conducting industry research, preparing written summaries of industry issues, risks, opportunities, and the competitive environment, and communicating questions or observations

Strong knowledge and application of internal risk models and loan systems

Monitoring the receipt and accuracy of client reporting including financial statements and covenant compliance certificates and completing quarterly analysis and annual reviews

Participation in team meetings, Capital Markets calls, and broader Commercial Banking calls

Participation in deal screen presentations and credit approval meetings

Participation in client conference calls and client meetings

Networking within the team and the Commercial Bank

Completion of ad-hoc projects

Qualifications

2-3 years of Commercial Banking or Leveraged Lending experience preferred

Existing knowledge of the leveraged loan market and bank regulation and compliance

Advanced analytical, loan structuring, underwriting, documentation, credit, presentation, and organization skills

Strong credit acumen

High level of initiative and ability to work independently

Self-starter with professional maturity and natural intellectual curiosity

Strong work ethic and ability to multi-task effectively in a fast-paced environment

Excellent interpersonal and verbal / written communication skills

Solid technical skills and exceptional attention to detail

Strong project management and organizational skills

Resourceful team player who can work closely with others to complete projects under tight deadlines

Excellent modeling skills and ability to complete various enterprise valuation methodologies

Software skills : MS Office (Word, Excel, PowerPoint) proficiency and Credit Research Tools

Experience with Bloomberg, Capital IQ, public SEC filings, rating agency reports, and equity research reports for industry and comparable analysis is a plus

Bachelor's degree in Business, Finance, Accounting, or Economics

Hours & Work Schedule

Hours per Week : 40

Work Schedule : Monday - Friday

LI-Citizens4

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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.

10 / 25 / 2025

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