As part of the Commercial Banking Finance team at Citizens, you’ll be in a great position to reach your potential with new professional challenges and opportunities to build your career. 

In the role of Finance Analyst, you will be responsible for assisting with the financial decision support for multiple client segments within the Commercial Bank. In this role covering all areas of financial forecasting, planning and analysis, you’ll develop solutions to complex business issues, collaborate with stakeholders across the Citizens franchise and work closely with executive leadership of the business.  You will serve as a key partner to finance managers and executive leadership by highlighting key financial trends and linking them to the underlying drivers of performance, connecting the impact of external market trends on business performance and telling the financial story of the business. 

Primary responsibilities include:

• Partner with line of business leadership to create monthly earnings forecasts that reflect the anticipated net interest margin, fee income, operating expenses and credit provisions that align with anticipated interest rate and economic scenarios. 
• Track the key drivers of changes in the commercial loan portfolio such as re-financings, new originations, changes to line utilization rates and prepayment speeds to explain results and inform updates to the balance sheet forecast.
• Monitor trends in market pricing, volume and sentiment and linking them back to current results and to inform forecast projections.
• Support capital allocation decisions which achieve the proper balance between liquidity, risk, pricing and returns.  Identifying and tracking opportunities to redeploy capital is an important component of this effort by maintaining financial profiles of new credit originations as well as client exits to measure progress of redeploying capital to more attractive opportunities. 
• Support the annual budget and strategic planning processes; including the creation of financial models and executive level presentations that document key assumptions and clearly link outcomes to the business strategy.
• Maintain a strong control environment by completing the month-end financial close including the identification of financial issues, risks and opportunities and by synchronizing the financial impacts in monthly forecasts.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Bachelors degree in Finance, Accounting, Economics or related discipline.
• General understanding of macro-economic principles.
• 1+ years of experience in a finance, accounting or business decision support role.
• Solid Excel financial modeling skills.
• Knowledge of Essbase financial reporting platform preferred.
• Strong executive partnership and communication skills.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F (hybrid - 4 days in office)

Pay Transparency

‌The salary range for this position is $73,000-$101,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to, the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position.

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.

Equal Employment and Opportunity Employer

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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.