Portfolio Manager – Franchise Group
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Job Description
Portfolio Manager responsible for credit and portfolio oversight in franchise finance. Managing financial analysis and risk assessment for Celtic Bank's diverse franchise portfolio.
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.
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.
Benefits:
- Medical, dental, vision
- 401(k) with employer match
- Life and long-term disability coverage
- HSA and FSA plans
- Holidays and paid time off requests
- Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.)
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