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Credit Risk Analyst Job Details

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Employer:  Citizens Financial Group
Job Ref No:  8389181
Job Title:  Credit Risk Analyst
Sector:  Asset Management
Sub Sector:  Traditional Asset Manager
Risk Type:  Credit
Expertise:  Risk Manager
This position serves to support the Sr. Credit Risk Manager (Unit Head) for Student Lending in carrying-out the day-to-day activities of key credit risk management aspects of Citizens' student lending business, which currently has over$8 billion in outstanding's and is growing. The position is accountable for certain functional credit risk activities of one or more Citizens Student Lending product/portfolios: In-School Student Loans, Education Refinance (ERL) Loans, Purchased student loan portfolios (SoFi), and various run-off portfolios. This position is intended for a retail credit risk analyst who will assist the unit manager and team to monitor risk appetite, recommend credit risk policy changes, carry-out credit risk monitoring and reporting, monitor auto decisioning policies, conduct loss model / scorecard development and monitoring, monitor loss provisions and problem debt management performance. The role will also help conduct underwriting system QA and support on the resolution of any CCAR/CECL , regulatory, audit, CQA and/or operational risk matters. This role has no direct reports but the position is expected to provide data preparation support to credit, business and operations managers.

Primary responsibilities include:
  • Monitors Risk Appetite Limits for the student products and helps investigates and resolve any breaches.
  • Carries out the day-to-day credit decisioning monitoring and reporting for thestudent products. Role includes effectively responding and addressing credit risk inquires from all stakeholders in a timely manner (Business Line, Corporate Credit Risk Management,Investor Relations).
  • Provides support to prepare all various student lendingdata/analysis for semi-monthlyStudent Lending Asset Quality Review Meetings with the Business Line.
  • With supervision, preparesstudent credit policy change proposals for formal CCRPF meetings approval which align to Risk Appetite and Student Lending Business strategy. Independently monitors credit performance against expectations recommends and implements request action to addresses any credit performance issues.
  • Supports effective quarterly scorecard monitoring for thestudent products.
  • With supervision from Unit Head, provides ad hoc credit analytical and implementation support on strategic business initiatives and CCAR/Basel, regulatory, audit, CQA and/or operational risk matters related to Student Lending products.

Required Skills/Experience:
  • 2+ years Business/Banking/Finance experience
  • 2+ years consumer credit risk management experience
  • Must have 2+ years SAS experience
  • 2+ years MS Excel experience
  • 2+ years MS Word experience
  • 2+ years MS PowerPoint experience

Preferred Skills/Experience:
  • 2+ years student lending experience
•Bachelor's degree required (Business, Finance, Management, Economics, Mathematics or Statistics)
•Master's degree preferred (Business, Finance, Management, Economics, Mathematics or Statistics)
•SAS Certification Preferred
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday-Friday 8-5

Why Work with 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.

Equal Employment and Opportunity Employer/Disabled/Veteran
It is the policy of Citizens Bank and Citizens Securities, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Equal Opportunity & Affirmative Action Employer Disabled/Veteran

Citizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries, and Citizens Bank of Pennsylvania.

Explore Job Location
Employment Type:  Full Time
Region/Country:  Americas, United States
States/Counties:  Rhode Island
City:  Riverside

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