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Description

Capital Markets Senior Business Analyst is responsible for assisting leadership in building and maintaining financial and operational reporting and analytics to aid Home Mortgage Capital Markets management strategic decision making and operational risk oversight. This role will engage across Capital Markets functional areas, providing data analysis and insight into topics including pricing margin management, pipeline interest rate risk, mortgage portfolio performance, etc.

Key functions:

+ Support pricing strategy and tactics through new initiative development, financial impact analysis and new reporting & analytics on mortgage pipeline, profitability, servicing key metrics.

+ Create consolidated cross-channel data sources through collaboration with business owners, finance, and technology partners. Provide subject matter expertise and manage the migration of siloed data sources into a centralized data warehouse or repository.

+ Support balance sheet optimization strategy through loan sale transaction data support and portfolio segmentation.

+ Support interest rate risk management, hedging, and QRM model management by assisting in continued development and maintenance of the current analytics suite.

+ As needed, support cross-functional projects from a Capital Markets standpoint via data analysis, pro forma projections, or business case development.

+ Create business and strategy review decks that incorporate relevant analytics as requested by leadership, and be prepared to present to upper management if requested.

Primary responsibilities include

+ Build financial and operational analytics that drive short-term and long-term business decision making.

+ Ensure accuracy of and distribute reporting to downstream users and senior leaders at predefined intervals.

+ Participate in discussions regarding various elements of Capital Markets business development and strategy while both opining on observed trends and producing ad-hoc analytics as needed.

+ Engage with various groups within Capital Markets to better understand the mechanisms driving financial and operational relationships on which analytics are built

Skills/Competencies

+ Exceptional aptitude for abstract thinking and logical reasoning

+ Foundational understanding of mortgage banking and agency fixed income markets

+ Functional understanding of financial modelling and DCF analysis

+ Advanced understanding of residential mortgage originations

+ Expert ability to visually represent complex financial and operational relationships in a clear manner

+ Expert ability to draw and communicate accurate conclusions from complex analytics

+ Experience creating & communicating pro-forma presentations to senior leaders

+ Comfortable producing unilateral, ad-hoc analytics to facilitate strategic decision making

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Required Qualifications

+ 7+ years of quantitative management reporting experience

+ 3+ years of experience at a mortgage lender

+ Database management experience with Microsoft SQL

+ Data aggregation and reporting experience using Excel, Power BI, Tableau, and/or Looker

+ STEM, Finance, or Economics undergraduate degree

+ Preferred Qualifications

+ 7+ years of mortgage capital markets experience in an analytics-focused capacity

+ Experience with a mortgage quantitative risk management system (QRM, Polypaths, Compass Analytics)

+ Programming experience (Python, Javascript, Powershell, and/or VBA)

+ Expert SQL, Excel, Tableau and Power Point skillsets

Hours & Work Schedule

+ Hours per Week: 40

+ Work Schedule: M-F

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

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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for 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

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

08/15/2025