Principal Credit Risk & Pricing Analyst - Home Equity

Citizens Bank
Columbus, Cincinnati, Charlotte
Workplace: HybridFull timeUSD 135,000 - 176,000 annuallyFunction: Banking, Lending & CreditExperience: 7+ yearsEducation: bachelorsSkills: ["Analytical reasoning","Curiosity","Customer-centricity","Business acumen","Stakeholder management"]

Develop and optimize home equity credit risk and pricing strategies, spanning underwriting, portfolio management, policy, and process initiatives across on-balance and off-balance channels. Use advanced analytics to monitor portfolio performance, forecast losses and profitability, and assess risk impacts from economic and housing trends. Partner cross-functionally to translate insights into underwriting decision rules, governance, reporting, and capital-efficient growth planning, while mentoring junior analysts.

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Citizens Bank
Citizens Bank
6 days ago

Principal Credit Risk & Pricing Analyst - Home Equity

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Source: Company careers pageValidated by: Fursa AI
Last checked: 3 hours agoStatus: Live

Job Summary

Develop and optimize home equity credit risk and pricing strategies, spanning underwriting, portfolio management, policy, and process initiatives across on-balance and off-balance channels. Use advanced analytics to monitor portfolio performance, forecast losses and profitability, and assess risk impacts from economic and housing trends. Partner cross-functionally to translate insights into underwriting decision rules, governance, reporting, and capital-efficient growth planning, while mentoring junior analysts.
Location: Columbus, Cincinnati, Charlotte
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit

Key Responsibilities

  • •Develop and enhance acquisition, underwriting, pricing, line assignment, portfolio management, and account management strategies for Home Equity products.
  • •Monitor portfolio performance to identify emerging risks and recommend changes to underwriting standards, policies, and risk appetite.
  • •Conduct analyses of credit performance, loss forecasting, utilization, profitability, customer behavior, and collateral trends, including stress and sensitivity analyses.
  • •Partner with business, operations, technology, underwriting, and compliance teams to design and implement credit policies, underwriting requirements, and decision rules.
  • •Build portfolio monitoring, forecasting, executive reporting, and performance measurement tools; communicate recommendations and mentor junior analysts.

Pay and Benefits

Salary: USD 135,000 - 176,000 annually
Perks:Health InsuranceDentalVisionRetirementParental LeaveWellness Stipend

Key Requirements

  • •7+ years of experience in credit risk, portfolio analytics, pricing, quantitative risk management, credit policy, or related disciplines.
  • •5+ years of experience in consumer lending, preferably Home Equity, Mortgage, or other real estate-secured products.
  • •Experience developing credit, pricing, underwriting, portfolio optimization, or risk management strategies and influencing related decision rules.
  • •Experience leading process improvement, issue remediation, audit, regulatory, or governance initiatives.
  • •Proficiency with SQL, Python, R, Tableau, SAS, Snowflake, Power BI, or Databricks (or similar).
Experience:7+ yearsConsumer lendingHome equityMortgageReal estate-secured productsCredit riskPortfolio analyticsPricing analytics
Education:Bachelor's in quantitative discipline
Skills:Analytical reasoningCuriosityCustomer-centricityBusiness acumenStakeholder management
Tech Stack:SQLPythonRTableauSASSnowflakePower BIDatabricks

Company Brief

Citizens Bank
Regional bank offering retail and commercial banking, mortgage lending, wealth management, and payment services to individuals and businesses across the United States.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Providence, United States
Founded: 1828
Website