Prepares and analyzes product pricing and program financials for the RBS Citizens mortgage business and develops executive level management presentations, business reviews, key findings and recommendations. Identifies new market opportunities and risks arising from competitive, regulatory and other internal and external factors. Proactively provides recommendations to enhance product and customer profitability.
Develops and maintains pricing and profitability models/pro formas to support new business initiatives. Gathers benchmarking data, performs analytics for the sales and fulfillment organizations, and documents assumptions that provide the basis for profitability measurement. Collaborates closely with colleagues across the organization to develop and refine models.
Trains and develops other analysts. Organizes and plans workflows. Ensures effective departmental policies and procedures are developed and maintained.
Stakeholder Management: Develop and maintain effective working relationships. Partner with other department and / or divisions with common goals.
Managing Change: Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience. Be flexible to react and/or implement change initiatives.
Team Leadership: Develop, plan, and implement activities that will enable a highly motivated and highly performing team to deliver team objectives. Fostering an environment of cooperation and change. Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors ("what" is expected and "how" they are expected to achieve objectives).
Bachelors degree required, Masters degree preferred
5-8 years of Analytical experience c onducting quantitative, financial or business case analysis in the Financial industry, mortgage experience preferred
Mastery of theoretical and practical accounting and finance concepts and techniques including discounted cashflow analysis, ROE, economic capital, funds transfer pricing, etc.
Prior experience successfully leading a team of analysts
Strong organizational and leadership skills: plans, reviews and tackle obstacles to excellence; ability to utilize persuasion and build relationships to win support for the benefit of the business; builds confidence and inspires others to achieve success for the business; uses scenario planning to consider the implications of different scenarios
Excellent analytical and research skills: ability to interpret financial results and business indicators to identify trends
Skilled in software applications: Microsoft Word, Excel, Access, Powerpoint, SAS a plus
Proficiency in analytical spreadsheet skills and data manipulation
Excellent communication skills, both written and verbal
Comfortable asking challenging questions yet collaborate for success of the business
Experience with statistical and quantitative analysis experience a plus
Hours and Work Schedule
Hours per Week: 40
Work Schedule: Monday-Friday 8:00AM-5:00PM
Equal Employment Opportunity
It is the policy of RBS Citizens, N.A. 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 factor protected by federal, state and/or local laws.
Citizens Financial Group - 18 months ago
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We’re Citizens, in every sense of the word.
It’s our belief that a good bank is made up of good citizens. That’s why...