Finance Analyst

Citizens; Johnston (RI); Hybrid; USD 73,000 - 101,000; Full time

Job summary

Citizens is seeking a Finance Analyst to support the Consumer Lending business with financial analytics, reporting, and budget awareness focused on expense management.

You will collaborate with the finance team and business partners, providing insights and recommendations to leadership to keep forecasts on track and within targets. This role offers a hybrid work model with 4 days in the office and 1 day remote.

Qualifications

• Bachelor's degree in Finance, Accounting or related field.
• Work experience in financial analysis, FP&A, or accounting.
• Ability to work on multiple tasks simultaneously and within tight deadlines.
• Strong to Advanced Excel skills.
• Proficiency in Power Point and Word.
• Detail oriented with strong organizational and analytical skills.

Responsibilities

• Develops monthly financial reports, annual budget, and monthly forecasts. Provide transparent reporting, highlighting significant assumptions, opportunities and risks. Distill conclusions into succinct, impactful analysis and commentary appropriate for executive management.
• Provides insight and makes recommendations to key business leaders to ensure the business line stays within budget forecasts, and general targets. Continuously consults externally for updates from business partners and researches trends in the business or customer base to ensure forecasts and recommendations are up to date.
• Evaluate financial projections in light of environment, historical performance, initiatives and external market expectations. Preparation and coordination of monthly variance analysis during month end closing process. Research and analysis of variances to determine underlying business reasons.
• Identifying and driving process improvements, including improvement in management / organization of metric data for business line, creation of standard and ad hoc reports. Includes determination of appropriate approach, resources required, schedule for completion and monitoring of project progress.
• Design of format and content of presentation, quality review of accuracy, and recommendations provided to management.

Skills

Financial analysis

FP&A

Advanced Excel

PowerPoint

Word

Detail oriented

Analytical skills

Education

Bachelor's degree in Finance, Accounting or related field

Job description

Description

In this role at Citizens, you’ll experience new things, create new opportunities, think beyond your role, and make an impact.

As a Finance Analyst supporting the Consumer Lending business, you will provide financial analytics, reporting, and budgetary awareness with a high focus on expense management. You will work collaboratively with other members of the finance team as well as business and other key partners. Additionally, you will be a key player in providing insight and recommendations to key business leaders to ensure the business line is staying within budget forecasts and general targets. As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

Primary Responsibilities Include

• Develops monthly financial reports, annual budget, and monthly forecasts. Provide transparent reporting, highlighting significant assumptions, opportunities and risks. Distill conclusions into succinct, impactful analysis and commentary appropriate for executive management.


• Provides insight and makes recommendations to key business leaders to ensure the business line stays within budget forecasts, and general targets. Continuously consults externally for updates from business partners and researches trends in the business or customer base to ensure forecasts and recommendations are up to date.


• Evaluate financial projections in light of environment, historical performance, initiatives and external market expectations. Preparation and coordination of monthly variance analysis during month end closing process. Research and analysis of variances to determine underlying business reasons.


• Identifying and driving process improvements, including improvement in management / organization of metric data for business line, creation of standard and ad hoc reports. Includes determination of appropriate approach, resources required, schedule for completion and monitoring of project progress.


• Design of format and content of presentation, quality review of accuracy, and recommendations provided to management.

Qualifications, Education, Certifications And/or Other Professional Credentials

• Required Qualifications
  
  
  
  • Bachelors degree in Finance, Accounting or related field
  
  
  • Work experience in financial analysis, FP&A, or accounting
  
  
  • Ability to work on multiple tasks simultaneously and within tight deadlines
  
  
  • Strong to Advanced Excel skills
  
  
  • Proficiency in Power Point and Word
  
  
  • Detail oriented with strong organizational and analytical skills
  
  
  
  


• Preferred Qualifications
  
  
  
  • Consumer Lending or Banking experience
  
  
  • Working knowledge of Hyperion Essbase/Smart view
  
  
  
  

Hours & Work Schedule

• Hours per Week: 40


• Work Schedule: M-F Hybrid 4 days in office, 1 day remote

Pay Transparency

• The salary range for this position is $73,000-$101,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to, the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Work Authorization

This role is not eligible for new employer sponsored or current H-1 B visa holders. Applicants, including current OPT, L and other visa holders, must be authorized to work in the U.S. without the need for new employer sponsorship for themselves or their spouses now and in the future.

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