Capital Markets CRA Business Analyst

CRA Business Analyst

The CRA Business Analyst is responsible for developing analytics, strategic models, and management reporting for the purpose of meeting Citizens' Community Reinvestment Act (CRA) obligations. This role intersects data analytics, business strategy, and compliance and will be expected to transform complex, disparate data sources into actionable intelligence that drives effective compliance and strategic lending decisions. Key initiatives will include the development of tools to monitor MSA-level CRA lending performance against pre-defined thresholds, forecast potential CRA shortages at the MSA-level, and monitor performance in terms of volume and cost. In addition to a strong foundation in residential mortgage origination and analytics, the individual in this role must be able to effectively partner with various mortgage business units in the creation and exchange of timely and accurate data inputs required for successful strategy management and optimization. This role will have extensive interaction with leadership and be expected to regularly present findings and recommendations. Effective presentation and communication skills are imperative. While this role will focus on CRA, there will be significant engagement with the broader mortgage business. The CRA analyst will operate as a member of the Capital Markets business analytics team and may be tasked to assist with non-CRA initiatives as needed.

Primary Responsibilities :

• CRA Data Integration, Analysis, and Reporting : Design, build, and maintain CRA tracking processes that aggregate data from multiple disparate sources. Create models that track lending performance. Develop automated data validation processes to ensure accuracy and completeness of CRA data. Build dynamic dashboards in Tableau that provide visibility into CRA performance metrics. Generate comprehensive CRA performance reports that synthesize complex data into presentations highlighting trends, risks, and opportunities.
• CRA Forecasting and Predictive Analytics : Develop and maintain forecasting models that project CRA lending volumes across multiple time horizons (ex. 30 / 60 / 90 day, quarterly, and annual). Create early warning systems that identify potential CRA shortfalls in advance, enabling proactive strategy adjustments. Analyze data to identify untapped CRA opportunities. Develop "what-if" analyses for executive leadership evaluating trade-offs between profitability objectives and CRA obligations.
• Cross-Functional Stakeholder Collaboration : Partner with various teams across Citizens to optimize CRA lending opportunities. Collaborate with retail banking leadership to track lending initiatives and optimize CRA performance. Work closely with the CRA data team to ensure data integrity, resolve discrepancies, and implement process improvements.
• CRA Presentation / Communication : Develop and deliver presentations to team members and senior leadership showcasing CRA performance and strategic recommendation. Create dashboards that distill CRA metrics into intuitive visualizations enabling rapid decision-making. Prepare written analyses on CRA strategy, market opportunities, and developments for senior leadership consumption.
• Innovation and Continuous Improvement : Lead efforts to create a modern CRA tracking infrastructure through implementation of advanced analytics tools and automation. Identify and implement process improvements that enhance data quality, reduce manual effort, and accelerate reporting timelines. Research alternative data sources that could enhance CRA performance or data tracking. Develop innovative analytical methodologies to provide deeper insights into CRA performance.
• Management Responsibility : This is an individual contributor role serving as a strategic analyst who manages and supports the broader CRA strategy across the Citizens Home Mortgage Capital Markets group. This position provides functional leadership and guidance to teams involved in CRA initiatives. The analyst will lead projects for special CRA initiatives and coordinate activities across multiple departments including Finance, Treasury, Capital Markets, Retail Lending, and Correspondent Lending.

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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.