Risk Analytics Sr Manager

Citizens•Westwood, MA

11h•$128,000 - $146,000•Hybrid

About The Position

The Risk Analytics Senior Manager will support commercial credit risk governance and reporting across several inter-related fronts, all of which in support of the growth and risk management of the Bank’s $60BN+ commercial lending portfolio. The candidate will work with a wide range of internal stakeholders, including first- and second-line credit risk management, commercial risk, credit assurance functions, as well as internal support teams to manage key commercial credit risk policy and reporting elements, enabling business and risk executives to evidence existing governing practices and manage ongoing risks proactively. The candidate will meet with credit officers and business line representatives in order to discuss evolving credit policy requirements, including the specific terms of same as well as key management reporting required to evidence policy adherence and asset quality, and will keep informed about updated regulatory and industry-related commercial policy matters to identify change requirements. Key points of differentiation between the Senior Manager vs. junior team members within the wider Credit Portfolio Analytics & Reporting (CPAR) group include specific prior experience(s) in commercial credit underwriting, approval, policy, and/or related functions; ability to be self-starting in staying on the forefront of best practices in the industry; leading analytical projects with minimal guidance; and performance of peer mentoring/tutelage responsibilities.

Requirements

8+ years of financial services experience, with 4+ years’ experience in commercial credit relationship management, underwriting/portfolio management, credit approval, credit policy, commercial risk (first, second, or third-line), or similar functions
Ability to be equally effective in performance of rote duties as well as high-touch analytical work depending on the needs of the given week/month/quarter
Strong written and verbal communication skills
Advanced use of MS Office Suite (Word, Excel, Powerpoint)
Familiarity with business intelligence tools such as Cognos, Tableau, WebFocus, etc.
Bachelor's Degree

Nice To Haves

MS (Finance or related), MBA, and/or advanced industry certification (e.g. CFA/FRM designations)

Responsibilities

Administer the Bank’s Commercial Credit Policy (CCP), working closely with senior credit officers (including the Bank’s Chief Credit Officer & direct reports) and others in order to ensure CCP remains fit for purpose on a perpetual basis. Specific responsibilities include/not limited to: full editorial/publication oversight of the Policy; change-related reporting, including publication of internal change-related memoranda; service as first point of contact for Policy interpretation; and assurance of alignment between CCP and applicable credit standards, risk appetite statements, and supervisory expectations
Participate and contribute to internal discussions on identified policy-related issues in review meetings with senior management; establish and execute upon management action plans to close self-identified gaps
Lead the production of key management credit risk reporting in areas aligned to CCP adherence (e.g. Policy Exceptions; Hold Limit Exceptions) as well as various other facets of commercial asset quality. Serve as subject matter expert on these concepts both for routine reporting as well as ad-hoc inquiries related to same, working with Risk & Finance Data Solutions colleagues to ensure end-stakeholder requirements are met timely & accurately
Act as a trusted partner to senior leaders by rapidly responding to high‑priority analytical requests. Frame ambiguous problems, define the right analytical approach, and deliver insights under tight timelines with minimal direction. Interpret trends and outliers in policy adherence, exceptions, and asset quality metrics to distinguish between business behavior, policy design issues, and emerging credit risk
Serve as a bridge between complex quantitative modelling outcomes (CCAR, CECL, Asset Quality & Loss Forecasting) and senior‑level decision making. Synthesize model results, assumptions, and limitations into clear narratives that inform risk appetite, capital, and portfolio strategy discussions