RM I- Structuring and Origination- Warehouse Lending

Overview

This is a hybrid role that can only be hired in NY or Nor Cal

The Relationship Manager I Warehouse Lending role is responsible for overseeing portfolio management, and performing credit underwriting, and loan administration duties within the Warehouse Lending team. This position supports the team in managing both internal and external client relationships, conducting financial modeling and analysis, and driving deal execution for fintech warehouse facilities.

Responsibilities

Portfolio Management and Risk Assessment  The Relationship Manager serves as the primary point of contact for assigned fintech warehouse lending clients. This role focuses on supporting, monitoring, and analyzing client collateral credit performance for asset backed finance (ABF) transactions. The Relationship Manager will oversee the Associate in preparing modeling and analysis for existing transactions, and will serve as the primary point  of contact for Portfolio Management  and the client for proactively monitoring and analyzing collateral credit performance and industry trends. They prepare monthly and quarterly portfolio reviews and risk assessments and collaborate with internal teams to ensure client satisfaction and retention. Additionally, they mentor and coach junior team members on portfolio management best practices.

Credit Structuring and Underwriting  In this capacity, the Relationship Manager leads the deal team underwriting process for select new and existing warehouse lending facilities. They analyze collateral tapes, client due diligence files, financial statements, business plans, and market conditions to assess credit risk, lead investor due diligence calls, and prepare and present credit memoranda and recommendations to approval committees. The role involves negotiating terms and conditions with clients and legal counsel balancing risk and profitability, while ensuring compliance with internal credit policies and regulatory requirements. They also coordinate with legal, operations, and other internal teams throughout the deal process.

Business Development and Strategic Initiatives  The Relationship Manager identifies and pursues new business opportunities within the private credit direct warehouse lending sector, participates in industry events and networking activities to build relationships, and contributes to the development and implementation of strategic growth initiatives. They stay informed about market trends, competitive landscape, and regulatory changes, and collaborate with senior team members on process improvements and product development.

Qualifications

Bachelor's Degree and 2 years of experience in Warehouse Lending OR High School Diploma or GED and 6 years of experience

Preferred Qualifications :

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

The base pay for this position is relative to your experience but the range is generally $134025 - $178700 annually.

Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and / or other awards as outlined in the offer of employment.

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.

Company Description :

Founded in 1898 and headquartered in Raleigh, N.C., First Citizens Bank serves customers in 18 states and the District of Columbia. For over 100 years, customers have trusted First Citizens with their money … and their futures. Today, First Citizens is the largest family-controlled bank in the nation and the sixth-largest bank franchise headquartered in the Southeast with more than $30 billion in assets. We employ more than 6,000 associates who are focused on helping our customers achieve a lifetime of success. First Citizens operates more than 570 branches in Arizona, California, Colorado, District of Columbia, Florida, Georgia, Kansas, Maryland, New Mexico, Missouri, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia.

First Citizens Bank. Forever First®. Member FDIC.

Equal Opportunity / Affirmative Action Employer / Minority / Female / Disability / Veteran

If you need special assistance or an accommodation in applying for employment at First Citizens Bank, please contact our Human Resources department.