Finance Analyst

Primary Responsibilities

• 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.
• 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.

Qualifications, Education, Certifications And/or Other Professional Credentials

• Bachelor's 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.
• Strong Excel financial modeling skills.
• Knowledge of Essbase financial reporting platform preferred.
• Strong executive partnership and communication skills.

Pay & Benefits

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.

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.

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.