Maria A. Chang
Finance & Credit Operations | Portfolio Management | Risk Analysis | Data-Driven Reporting | FP&A-Aligned | Open to Remote (US/EU)
- Role
- SVP, Commercial Portfolio Manager at First Citizens Bank
- Location
- Miami, FL, US
- LinkedIn followers
- 500 followers
About Maria A. Chang
Finance and Operations professional with 20+ years of experience across FP & A, portfolio management, credit analytics, financial reporting, forecasting, and business operations. I specialize in supporting remote-first U.S.–based companies through data-driven analysis, reporting automation, and cross-functional collaboration.My background includes:•Executive reporting using Tableau and Cognos• Forecasting, budgeting, and financial modeling.• Portfolio and credit risk analysis for corporate and middle-market clients• Operational improvements, compliance oversight, and SOP development.• End-to-end loan servicing and strategic problem solving.Currently live in the United States and will be relocating to Spain in August 2026. I will continue working U.S. hours permanently and am seeking long-term remote opportunities with U.S. organizations.I bring a strong analytical mindset, excellent communication skills, and a track record of supporting senior leadership in making informed financial decisions.
Experience
SVP, Commercial Portfolio Manager
Nov 2019 — Present
Manage diverse domestic and international lending portfolios (real estate, commercial, retail, business lending).• Lead portfolio analysis, restructurings, renewals, refinancings, and compliance processes.• Utilize Tableau and Cognos to create financial dashboards, portfolio insights, and performance reports.• Collaborate with credit resolution teams to mitigate major delinquencies and improve recoveries.• Ensure regulatory adherence, documentation accuracy, and compliance alignment.• Primary support for forgiveness, deferments, and COVID-era portfolio modifications.• Transitioned an $800 Millions portfolio during a major bank acquisition.• Led multi-year improvements in annual reviews, maturities, policy exceptions, and escrow shortage oversight.• I served as the primary liaison between the external auditors and the department.
Education
Florida International University
Bachelor's degree, Finance and Financial Management Services
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