Apply on Employer Site

Citizens · 3 months ago

Capital Markets CRA Business Analyst

5908 Headquarters Dr., Plano, TX, 75024, US

Full-time

Onsite

Mid, Senior Level

5+ years exp

Citizens is a financial services company seeking a CRA Business Analyst to develop analytics and strategic models for Community Reinvestment Act (CRA) compliance. The role involves transforming data into actionable intelligence and requires collaboration with various mortgage business units to optimize CRA performance and reporting.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

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

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

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

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

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

Qualification

Advanced Data AnalyticsTableauStatistical AnalysisDatabase ManagementMicrosoft Office MasteryMortgage Lending LifecycleProject ManagementChange ManagementRisk ManagementCommunication SkillsInterpersonal Skills

Required

Bachelor's Degree

Minimum 5 years of progressive experience in banking, mortgage lending, or financial services with direct exposure to data analytics

Demonstrated expertise in data analysis and reporting with proven ability to work with large, complex datasets from multiple sources

Hands-on experience with mortgage lending data including loan-level origination data, servicing data, and secondary market execution metrics

Track record of developing executive-level reports and presentations that drive strategic decision-making

Experience supporting regulatory examinations or audits with data analysis and documentation

Proven ability to manage multiple complex projects simultaneously while meeting strict regulatory deadlines

Expertise in Microsoft SQL for complex data extraction, transformation, and analysis across multiple data sources

Tableau (or other reporting tool) development skills including calculated fields, parameters, LOD expressions, and dashboard optimization

Understanding of automation and/or predictive analytics using tools such as Python or PowerShell

Experience with data warehouse concepts, ETL processes, and working with large datasets / databases

Expert Excel skills including complex formulas, pivot tables, macros, VBA, and financial modeling

Advanced PowerPoint capabilities for executive presentations

Knowledge of HMDA data requirements, geocoding methodologies, and fair lending principles

Mortgage lending lifecycle from origination through sale

Familiarity with affordable housing programs and community development initiatives

Strategic thinking capabilities to identify market opportunities and develop innovative CRA solutions

Project management skills to lead complex, cross-functional CRA initiatives

Change management expertise to drive adoption of new processes and technologies

Risk management perspective to identify and mitigate CRA-related risks

Exceptional written and verbal communication skills with ability to distill complex regulatory and analytical concepts for diverse audiences

Executive presence and confidence to present to senior leadership and board members

Strong interpersonal skills to build relationships across organizational boundaries

Preferred

Previous experience working with and / or tracking data related to CRA requirements or similar regulatory compliance role within a depository institution

Exposure to capital markets operations, secondary mortgage market execution, or mortgage servicing

Experience with regulatory reporting systems data

Track record of implementing process improvements or system enhancements that improved analytical capabilities

Company

Citizens

Glassdoor3.6

At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.

Founded in 1828

Providence, Rhode Island, USA

10001+ employees

https://www.citizensbank.com/

H1B Sponsorship

Citizens has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2020 (1)