• 30482
• 11 West 42nd Street
• New York, New York; San Francisco, California
• SVB-Fintech
• Monday - Friday
• 08/29/2025

JOB DESCRIPTION

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.
First Citizens Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race (including traits historically associated with race, such as hair texture and protective hairstyles), color, religion, national origin, sex, age, disability, protected veteran status, sexual orientation, gender identity, genetic information, military membership, application, or obligation, or any other legally protected status.
Section 19 of the Federal Deposit Insurance Act prohibits First Citizens Bank from employing individuals convicted of certain criminal offenses. Offers of employment will be contingent upon a satisfactory background check.
The Bank is committed to maintaining a safe workplace free from the influence of prohibited drugs and the misuse of alcohol and will not tolerate any prohibited drug use or alcohol misuse that jeopardizes the safety of associates, customers or others at the workplace, or threatens the Bank’s operations or competitiveness.
If you have a disability and need special assistance or accommodation to apply for employment at First Citizens Bank, please contact our Human Resources department at 888.716.7199 or email us at hrsc@firstcitizens.com.

Please refer the Job description for details