Relationship Manager II- Fintech Warehouse Lending

Overview 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 contributing to team development. The position also supports senior team members in ensuring controls are in place, identifying potential risks within the business unit, and helping support or lead company prospecting efforts. It ensures alignment and compliance with corporate strategy, internal policy, applicable laws, and regulations. Responsibilities Portfolio Management and Risk Assessment – The Relationship Manager serves as the primary point of contact for assigned fintech warehouse lending clients, supporting, monitoring, and analyzing client collateral credit performance for asset‑backed finance transactions. The Relationship Manager oversees the associate in preparing modeling and analysis, prepares monthly and quarterly portfolio reviews and risk assessments, collaborates with internal teams to ensure client satisfaction and retention, and mentors junior team members on portfolio management best practices. Credit Structuring and Underwriting – The Relationship Manager leads the deal team underwriting process for select new and existing warehouse lending facilities, analyzes collateral tapes, client due diligence files, financial statements, business plans and market conditions to assess credit risk, leads investor due diligence calls, and prepares and presents credit memoranda and recommendations to approval committees. The role negotiates terms and conditions with clients and legal counsel, balances risk and profitability, ensures compliance with internal credit policies and regulatory requirements, and coordinates 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. The Relationship Manager stays informed about market trends, competitive landscape and regulatory changes, and collaborates with senior team members on process improvements and product development. Qualifications Bachelor’s Degree and 4 years of experience in Warehouse Lending OR High School Diploma or GED and 8 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 Compensation The base pay for this position is relative to your experience but the range is generally $156,000–$208,000 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 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 #J-18808-Ljbffr