Credit Risk Analytics Leader Residential Real Estate

Credit Risk Analytics Sr. Professional Residential Real Estate

Citizens Bank is looking for a 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 the 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 :

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.

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.