Description Credit Risk Analytics Sr

Professional – Residential Real Estate Citizens Bank is looking for highly quantitative, results oriented individual to build and optimize credit strategies in support of Residential Real Estate Lending

In this role, you will be responsible for managing key Credit Risk project execution across lifecycle activities of the Mortgage business

The ideal candidate will leverage their exceptional data and analytical skills along with their knowledge of residential real estate secured lending products to analyze large and complex data sets and seek actionable insights, optimize processes, and drive strategic decisions

You will also assist in the management of the bank’s lending portfolio, implementing decision rules, underwriting models, strategies, and monthly reporting

The lead will also have strong credit and business acumen as well as communication skills to synthesize analytical findings and provide senior leaders with actionable recommendations

Primary responsibilities include: Interface with partners across Product, Capital Markets, Operations, MSR, and Sales in support of strategic business initiatives and continuous optimization of credit strategy

Monitor origination and portfolio performance for the purposes of optimizing risk adjusted returns

Monitoring includes, but is not limited to, identifying deviations from expectations, diagnosing root cause, and proposing corrective actions

Develop business cases and credit policy recommendations and coordinate approval and implementation through internal governance

Exercise strategic vision to identify and drive credit optimization efforts

Own and manage the monitoring of existing processes to identify improvements that contribute to a more effective and efficient operating environment

Provide an independent assessment of the quality, quantity, direction, and overall credit risk in the organization through planned reviews

Manage small team of Credit Risk Professionals in support of the above

Qualifications 5 years of Consumer Credit experience – ideally aligned with Residential Mortgage/Equity lending

Strong interpersonal skills to establish credibility and build strong relationships with business partners in working on cross-functional projects

Strong presentation and communication skills, both written and verbal

Ability to manage multiple projects simultaneously under aggressive timelines

3 years of demonstrated application of quantitative skills in a lending environment

3 years of relevant experience in a quantitative role utilizing statistical programing languages – SAS preferred, R, or Python

Experience with data visualization such as Tableau

Ability to perform ad-hoc analysis, glean and form insights under aggressive timelines

Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership

Ability to manage complexity/ambiguity and multiple initiatives

Track record of ownership, high degree of intellectual curiosity and a results-driven attitude

Exceptional problem-solving acumen with ability to think strategically

Prior management experience preferred

Hours and Work Schedule Hours per week: 40 Work Schedule: 8:00am -5:00pm, Monday – Friday Position is hybrid in a Citizens office location, onsite 4 days/week. LI-Citizens1 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles

If you apply and qualify for this role, a recruiter will discuss accurate pay guidance

Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws

At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism

Employment decisions are based solely on merit, qualifications, performance and capability

Why Work for Us At Citizens, you’ll find a customer-centric culture built around helping our customers and giving back to our local communities

When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks

Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered

Any offer of employment will include further information.