JOSHUA ICKES
Broomall,PA
Summary
High-performing professional with growth mindset and proven ability to process and apply new skills quickly. Critical thinker and motivated self-learner that easily adapts in fast-paced and challenging environments. Organized and analytical problem solver with expertise in financial analysis and modeling. Effective communicator with a collaborative approach to internal and external customer relationships.
Overview
10
10
years of professional experience
Work History
Senior Vice President, Portfolio Manager II
Citizens Bank
02.2023 - Current
- Maintained C&I loan portfolio consisting of 15-20 Middle Market and Mid-Corporate customer relationships with total committed credit over $500MM for borrowers with revenues up to $5B
- Delivered successful execution of complex loan structures to include Agented, ABL, Asset Finance, Leveraged Lending and Sponsor-owned transactions for new and existing customers
- Chosen by senior management to take over PM duties for two strategic Sports Finance customers within Mid-Atlantic region
- Led negotiations of legal documents between Bank and customer
- Presented quarterly reviews of distressed credits to senior leadership with strategic recommendations and action plans
- Spearheaded changes in Watched Asset Review reports by streamlining approach to analysis and format, leading to enhanced template process
- Provided mentorship and training to junior Analyst and Associate colleagues across different teams
Vice President, Portfolio Manager I,
Citizens Bank
02.2020 - 02.2023
- Collaborated with cross-functional teams to complete initial underwriting, annual reviews, renewals, extensions, amendments, waivers, Watched Asset Reviews, and ad hoc analyses
- Developed Associate PM training program in partnership with HR that was used for 20 newly promoted Associates.
Vice President, Workout Officer (Credit Rotation)
Citizens Bank
10.2020 - 10.2021
- Selected to take part in 1-year Credit Risk Rotation Program
- Managed ~$100MM portfolio of distressed credits within Credit Restructuring Management group during COVID
- Oversaw all aspects of relationship to include client negotiations, strategy, structure, pricing, underwriting, analysis, renegotiation of legal documentation
- Collaborated with Capital Markets, Treasury Management, Finance & Accounting, Trading Desk and 3rd Party Advisors in support of overall customer strategy to improve terms, reduce exposure and increase economics
- Supported Senior Workout Officers on Agented deals with additional credit commitments in excess of $300MM while simultaneously managing individual portfolio
- Provided mentorship and training to new Associates and Analysts
Assistant Vice President, Portfolio Manager
Citizens Bank
07.2019 - 02.2020
- Increased portfolio responsibilities of ~$400MM in commitments and 17 customer relationships
- Chosen as New Hire Buddy to assist new Credit Analysts transition into their new role
- Promoted to Vice President and Portfolio Manager I after 8 months
Assistant Vice President, Associate PM
Citizens Bank
07.2018 - 06.2019
- Managed $250MM C&I loan portfolio consisting of 9 customer relationships while supporting other portfolio managers with all aspects of underwriting and portfolio management to include financial analysis, projection modeling, enterprise valuations, industry research, and collateral analysis
- Completed full credit proposal summaries and presented to senior management for credit approval
- Collaborated with Relationship Managers and Product Partners to service existing and prospect customers
- Selected as Mentor for the Commercial Banking Summer Internship Program and provided training and guidance for two interns during 10-week period
- Chosen as 1 of only 6 non-managerial colleagues to attend the Portfolio Management Senior Leadership Annual Meeting by Head of Underwriting and Portfolio Management
- Promoted to Portfolio Manager in less than 1 year
Assistant Vice President, Credit Analyst
Citizens Bank
08.2017 - 06.2018
- Supported Mid-Corporate and Middle Market teams by completing credit proposal summaries
- Underwrote new $40MM customer relationship and received formal credit approval after 4 months in role
- Promoted to Associate Portfolio Manager in less than 1 year.
Assistant Vice President, Branch Manager
Citizens Bank
04.2015 - 08.2017
- Managed profit and loss for deposit base of $43MM
- Responsible for strategic direction and growth of 5-person team in core categories that included deposits, lending, investments and customer service
- Recognized as Top 5% performer among more than 1,200 peers
- Increased branch revenue by 73% in 2015 and 45% in 2016
- Led region of 13 branches in revenue growth in 2015 & 2016
- Achieved 2nd highest P&L score in ~160 branch market in 2016
- Mentoring resulted in 3 internal colleague promotions in first 20 months of role.
Universal Banker
Citizens Bank
09.2013 - 04.2015
- Generated sales and revenue through customer-centric approach focused on deepening relationships to help customers achieve financial wellness
- Promoted to Branch Manager in 19 months
- Maintained Top 5% ranking for final 3 quarters of 2014
- Led team of 6 employees in absence of branch manager
- Managed loan pipeline in excess of $1MM each quarter
- Developed centers of influence and collaborated with partners to create opportunities in business banking, investments, and lending.
Education
Master of Science - Finance
THE PENNSYLVANIA STATE UNIVERSITY
University Park, PABachelor of Science - Landscape Management
THE PENNSYLVANIA STATE UNIVERSITY
University Park, PASkills
- Loan Origination, Underwriting and Portfolio Management
- Financial Analysis and Modeling
- Enterprise Valuation
- Relationship Management
- Coaching and Mentoring
- Deal Structuring and Documentation
Timeline
Senior Vice President, Portfolio Manager II
Citizens Bank
02.2023 - Current
Vice President, Workout Officer (Credit Rotation)
Citizens Bank
10.2020 - 10.2021
Vice President, Portfolio Manager I,
Citizens Bank
02.2020 - 02.2023
Assistant Vice President, Portfolio Manager
Citizens Bank
07.2019 - 02.2020
Assistant Vice President, Associate PM
Citizens Bank
07.2018 - 06.2019
Assistant Vice President, Credit Analyst
Citizens Bank
08.2017 - 06.2018
Assistant Vice President, Branch Manager
Citizens Bank
04.2015 - 08.2017
Universal Banker
Citizens Bank
09.2013 - 04.2015
Master of Science - Finance
THE PENNSYLVANIA STATE UNIVERSITY
Bachelor of Science - Landscape Management
THE PENNSYLVANIA STATE UNIVERSITY