Special Assets Analyst: Debt Restructuring & Portfolio Mgmt

First Citizens; Santa Monica (CA); Hybrid; USD 66,000 - 98,000; Full time

Job summary

First Citizens in Santa Monica seeks a Credit Analyst to support underwriting, debt restructuring, and portfolio management in a dynamic, hybrid environment.

The role requires reviewing credit information, maintaining files, and coordinating with clients and operations to ensure accurate assessments and timely reporting across multiple deal stages. A bachelor’s degree and 3 years in credit analysis are required.

Qualifications

• Bachelor's Degree or high school diploma/GED with 3 years in credit training or financial analysis.
• Knowledge of credit policy, risk rating matrices, and bank systems.
• Experience in underwriting, portfolio management, and restructuring strategies.

Responsibilities

• Underwriting: Process Management - Assists in the review of the assigned portfolio for credit quality and credit risk rating accuracy and notes any policy exceptions.
• Reporting/Portfolio Management - Maintains credit files, monitors past dues, prepares underwriting packages, interfaces with operations, and contacts clients to obtain financial information.
• Knowledge of Credit Policy, Risk Rating Matrices, and Bank systems - Navigate bank systems and apply policy standards.
• Knowledge of Lending Products and Restructuring - Manage less complex accounts and suggest strategies to mitigate loss and interact with clients.

Skills

Ability to review and analyze credit &

Knowledge of financial principles &

Education

Bachelor's Degree or High School Diploma or GED/Equivalent and 3 years' experience in Credit Training or Financial Analysis

Job description

First Citizens in Santa Monica seeks a Credit Analyst to support underwriting, debt restructuring, and portfolio management in a dynamic, hybrid environment.

The role requires reviewing credit information, maintaining files, and coordinating with clients and operations to ensure accurate assessments and timely reporting across multiple deal stages. A bachelor’s degree and 3 years in credit analysis are required.