Have you been told you are a determined problem-solver and committed team player? Are you looking for a collaborative environment that works as a team toward common goals? Do you have an understanding of financial analysis and modeling?Then a role as a Corporate Banking Credit Analyst may be right for you.As a Credit Analyst, you will conduct thorough research and analysis of market data, trends and other factors related to the financing that will be considered as part of credit decisions. Supporting a team of Portfolio Managers and Relationship Managers, you will work together to understand and apply credit policy and field questions related to financial analysis and interpreting financial statements. Successful Credit Analysts become well-positioned for a promising career in Commercial Credit and are equipped with an impressive, transferrable skillset applicable to a wide range of opportunities.A Day in the Life of a Corporate Banking Credit AnalystConduct written summaries of related industry and competitive environments, preliminary customer/prospect analysis including Sponsor analysis, and Borrower’s operating history and repayment capacityIdentify situations that may require policy exceptions and make recommendations that mitigate credit risks or remedy possible exceptionsCommunicate internally as well as with customers directly on financial analysis or account management issuesInteract directly with Portfolio Managers and Relationship Managers and to answer questions related to financial reporting requirements, interpreting financial statements from other Credit Analysts and maintaining credit filesParticipate in the underwriting process and conduct accurate, well organized analysis of various commercial borrowers including financial statement and projection analysis along with preparing profitability, risk and facility rating modelsWhat can we offer you?Formal training, strategies and tools to support your personal growth and the development of strong team relationshipsPerformance-based career growth opportunities and the opportunity to become a future leader in the Commercial Credit spaceCollaborative workforce committed to supporting your ideas and feedback and accelerating your potentialTeam atmosphere of diverse, inclusive professionals committed to making an impact as an organizationOpportunities to volunteer and give back to our local communities
What qualifications are we looking for?Undergraduate degree from a 4-year accredited degree program. Majors in Finance, Accounting, Economics, and Business preferred but all majors considered with demonstrated strong academic achievement.1-3 years of commercial banking experience is preferred. Commercial Banking experience may include internships, formal credit training, business banking, middle market, and/or specialty commercial banking, commercial banking administration, commercial banking operations, commercial credit/risk oversight, and commercial loan documentation/funding/servicing or other relevant experience.Position requires basic research skills, developed knowledge of financial statement spreading and profitability modeling, effective verbal and written communications skills, ability to manage multiple priorities at onceCandidate should be a self starter, team player, self-motivated, detail-oriented, and possess strong analytical skillsHours & Work ScheduleHours per Week: 40Work Schedule: Monday - Friday 8:00 am - 5:00 pmWhy Work with UsAt 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.Equal Employment and Opportunity Employer/Disabled/VeteranIt is the policy of Citizens Bank and Citizens Securities, Inc. 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 category protected by federal, state and/or local laws.Equal Opportunity & Affirmative Action Employer Disabled/VeteranCitizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries, and Citizens Bank of Pennsylvania.