Justin Carter Email & Phone Number

United States

Power, Utilities, and Infrastructure - Associate / Vice President (July-22 to Mar-23):Energy - Analyst/Associate (Feb-20 - July-22):- Primary Corporate Banker covering new and existing secured and unsecured loan commitments up to $400mm. Ongoing coverage responsibilities include managing $1.5bn of total facility commitments while also supporting the entirety of the $11.8bn U.S. Energy loan portfolio. - Leads new credit commitment and amendment requests through deal… Show more Power, Utilities, and Infrastructure - Associate / Vice President (July-22 to Mar-23):Energy - Analyst/Associate (Feb-20 - July-22):- Primary Corporate Banker covering new and existing secured and unsecured loan commitments up to $400mm. Ongoing coverage responsibilities include managing $1.5bn of total facility commitments while also supporting the entirety of the $11.8bn U.S. Energy loan portfolio. - Leads new credit commitment and amendment requests through deal lifecycle. Analyzes company financial health and outlook, builds custom cash flow sensitivity projection models, and conveys final banker recommendation to Investment Capital Committee.- Creates semi-annual presentations for C-suite and BoD which are used to implement corporate strategy decisions. Show less

Houston, Texas Area

- Primary or secondary Portfolio Manager responsible for managing U.S. Energy loan commitments of $1.2bn. Supported total loan portfolio consisting of 64 credits with exposure of $2.5bn.

Greater Boston Area

- One of 15 Analysts chosen for Citizens Bank's Commercial Banker Development Program following positive summer internship experience. Rotations included Leveraged Finance and Commercial Real Estate. Completed full underwrites of LBOs and various types of commercial real estate loans. Received offer to join either rotation group at conclusion of program; was ultimately granted 1st preference for coverage group placement.

Houston, Texas Area

- Edited Annual Credit Reviews with updated information extracted from both the latest 10-Q and 10-K- Created Return on Risk Adjusted Capital charts for Relationship Managers detailing the impact of variables on the model’s output, facilitating profit maximization and credit approval- Researched and calculated general and industry specific metrics for all 26 Oil & Gas companies in the team’s Annual Portfolio Review- Coordinated with five other interns in various offices to prepare… Show more - Edited Annual Credit Reviews with updated information extracted from both the latest 10-Q and 10-K- Created Return on Risk Adjusted Capital charts for Relationship Managers detailing the impact of variables on the model’s output, facilitating profit maximization and credit approval- Researched and calculated general and industry specific metrics for all 26 Oil & Gas companies in the team’s Annual Portfolio Review- Coordinated with five other interns in various offices to prepare an extensive report on the Gaming (Casino) industry, presented our findings before Citizens Senior Leadership in Boston Show less