Analyst - Asset-Backed Finance

Analyst I – Asset‑Backed Finance

Citizens Bank is seeking a highly motivated and detail‑oriented Analyst level candidate to join its Corporate Credit Securitization Lending (“CCSL”) team within Portfolio Management. The CCSL team is responsible for sourcing, underwriting, and managing loan commitments to investment funds managed by middle market leveraged loan managers and secured by portfolios of middle market loans. This role is crucial for ensuring the accuracy and efficiency of our Portfolio Management processes.

Location:

Charlotte.

• Reviewing monthly borrowing base files and underlying collateral documentation to ensure accuracy and completeness.
• Communicating directly with colleagues and clients to resolve material issues in a timely and professional manner.
• Verifying quarterly reporting metrics submitted by clients and calculating key financial ratios for approval requests.
• Analyzing and organizing client files from external sources, ensuring completeness and proper record‑keeping and maintaining process integrity by updating internal ticklers.
• Reviewing database entries and confirming accuracy of monthly data uploads and being proactive with communication and remediation.

• Underwriting and analytical support for annual reviews, amendments, and asset approval requests.
• Exposure to deal teams and credit decision‑making processes.
• Opportunities to contribute to portfolio analysis, risk assessments, reporting, and other strategic initiatives.

• Equivalent work experience or completion of formal credit training program and 1‑2 years of applied financial analysis working with straight‑forward to moderately complex credits in a commercial banking environment, leveraged finance, and/or securitization (CLO).
• Strong proficiency in Microsoft Office applications, most importantly Excel, and Credit Research Tools. Experience with Tableau, Salesforce, Alteryx strongly preferred.
• Must have excellent verbal, written communication and organizational skills which are central to the role.
• Must be able to effectively prioritize, multi‑task, and work within tight deadlines.

• Bachelor’s Degree in Business, Finance, Accounting, Economics, or equivalent work experience.

• Hours per Week: 40
• Work Schedule:
  
  Monday – Friday

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.

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.

Posting End Date: 11/15/2025