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Citizens · 1 day ago

VP - Home Mortgage - Capital Markets Portfolio Strategy

Plano, TX

Full-time

Hybrid

Senior Level, Lead/Staff

10+ years exp

Citizens is a financial services organization, and they are seeking a VP for Home Mortgage - Capital Markets Portfolio Strategy. This role involves leading cross-functional analytics and modeling to support strategic recommendations in areas such as margin management and MSR valuation, while also engaging with senior leadership to present findings and insights.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

Develop and maintain CRA tracking systems that consolidate data from diverse sources

Build models to monitor lending performance and automate data validation for accuracy

Create Tableau dashboards to visualize CRA metrics and produce reports that highlight key trends, risks, and opportunities (20%)

Develop analytics and models to enhance pricing margin management and mortgage asset valuation at the customer level

Focus areas include borrower behavior in the MSR portfolio (particularly refinance responsiveness impacting perceived lead quality and price elasticity) and correspondent seller performance, including delivery profiles and MSR performance. (20%)

Assess Citizens’ MSR and whole loan assets, both existing balance sheet and new production, to identify cohorts with elevated runoff or default risk under specific economic scenarios

Recommend potential liquidation and/or future acquisition strategies based on risk insights. (20%)

Design and maintain executive dashboards in Tableau to support performance tracking and strategic decision-making

Ensure dashboards deliver clear insights at a high level, with options for granular data exploration and deeper analysis aligned with organizational priorities. (20%)

Rapidly develop analytics to support real-time decision-making and ad hoc initiatives

Continuously manage and adapt insights to reflect evolving discussions and changing environments. (20%)

Qualification

Advanced Data AnalyticsTableauStatistical AnalysisDatabase ManagementMicrosoft Office MasteryHMDA Data KnowledgeMortgage Asset PerformanceMortgage Borrower BehaviorChange ManagementStrategic ThinkingProject ManagementExecutive PresenceCommunication SkillsInterpersonal Skills

Required

Minimum 10 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

Advanced Data Analytics: Expertise in Microsoft SQL for complex data extraction, transformation, and analysis across multiple data sources

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

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

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

Microsoft Office Mastery: 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

Deep understanding of drivers impacting mortgage asset performance

Deep understanding of drivers impacting mortgage borrower/customer behavior

Mortgage lending lifecycle from origination through sale

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

Project management skills to lead complex, cross-functional initiatives

Change management expertise to drive adoption of new processes and technologies

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

Prior involvement in capital markets operations and secondary mortgage markets

Prior quantitative work with mortgage servicing rights and recapture analysis

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

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Trends of Total Sponsorships

2020 (1)