Description

The Consumer Home Equity Finance organization serves as a trusted advisor for the Citizens Home Equity business, providing both strategic and tactical financial support. We are seeking a Finance Manager who will be a key member of the Consumer Home Equity Finance team, responsible for providing financial guidance to leaders and partners, and enhancing the financial tools, analyses, and processes we use to deliver the strategic priorities of the business. This job is a foundational opportunity to deepen the colleague’s knowledge of the growing $14 Billion Home Equity balance sheet and the finance processes at Citizens, with the goal of continuing to advance and develop the individual in the organization.

This role can be based in Johnston, RI; Westwood, MA; or Newark, DE.

Specific responsibilities include:

Providing decision support, such as: 

Analyze financial data, maintain, and create financial models to monitor and forecast Home Equity balances and net interest incomeExamine trends in Home Equity Line of Credit utilization and potential impacts from the interest rate environment, macroeconomic factors, and internal business changesEvaluate past results, perform variance/attribution analyses, identify trends, and make recommendations for improvementsProduce reporting for monthly finance reviews and quarterly investor relations materialsPresent and discuss actuals and forecasts with business unit leadersCross-train with other areas within Home Equity Finance to provide back-up support and expand knowledgebaseSupport ad hoc analysis and business plans to justify and promote growth initiativesProviding tactical balance sheet support for the division:  Manage and enhance the budget, forecast, and strategic plan process for Home Equity balance sheet and net interest income activityManage the balance sheet monthly close process, including estimation and communication of preliminary results

Required Skills/Experience:

4+ years related experience providing Finance support, preferably in Consumer LendingStrong communication skills with a demonstrated ability to work effectively with internal colleagues and partnersDemonstrated ability to think deeply and understand the big pictureExperience operating in a dynamic, fast-paced, professional environment. Must have the ability to prioritize tasks and responsibilities needing to be accomplished, work independently, and organize resources in order to achieve desired resultsStrong financial analysis foundation creating projections and modelsDetail oriented, diligent, with strong organizational and analytical skillsUnderstanding of current events and issues facing banks and financial services companies, particularly the economic and interest rate environmentStrong Microsoft Excel, PowerPoint, and Word skillsProficiency with financial databases such as Oracle Hyperion Essbase/Smart View

Education, Certifications, and Other Professional Credentials: 

Undergraduate degree in Finance, Accounting, Economics, Business Management or related field requiredMaster’s degree or other financial certifications preferred (MBA, CFA, CPA)

Hours & Work Schedule:

Hours per Week: 40 Hours

Work Schedule: Monday through Friday

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

Equal Employment and Opportunity Employer

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