The Middle Market Analyst will conduct detailed research and analysis of market data, trends and other factors related to the financing that will be considered as part of credit decisions. The individual will support a team of Portfolio Managers and Relationship Managers 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 the fundamentals of underwriting, which will be transferrable to a wide range of opportunities.

Responsibilities

• Assist Market Executives, Relationship Managers and Associates to develop new business ideas, pitch strategies and transaction financing scenarios to help corporate clients achieve their financial and strategic objectives
• Perform a broad variety of financial analysis
• Conduct in-depth company and industry research
• Review financial models and other client information to identify key trends and present conclusions for discussion purposes
• Analyze client-level revenue opportunities on an ongoing basis to assess risk reward tradeoffs and facilitate decisions regarding capital commitments and other client engagements
• Prepare pitch materials for client meetings
• Prepare meeting notes to share with deal team
• Support Relationship Managers maintain data accuracy and integrity

• Assist with special projects such as preparing discussion materials for internal client planning sessions

  Requirements

• Ability to work effectively as an individual and as part of multiple teams
• Excellent oral and written communication skills with the ability to express ideas in a persuasive, organized, and articulate manner
• Ability to follow-up independently and consistently and play the critical role as the project manager on assignments
• Demonstrated aptitude for quantitative and qualitative analysis with a solid understanding or willingness to master financial statement analysis, financial modeling and company or industry analysis
• Self-starting team player who can think strategically and excel in a fast-paced, entrepreneurial, challenging work environment
• High degree of maturity and integrity with a positive and hardworking attitude
• Excellent attention to detail
• Full command of Microsoft Word, Excel and PowerPoint
• Experience with related financial services software is a plus

• Previous Commercial Banking experience is a plus

  Education

• Bachelor's Degree required

• Master's Degree is a plus

  Hours and Work Schedule

• Hours: 40

• Work Schedule: Monday – Friday

  Pay Transparency

  The salary range for this position is $75,000 - $85,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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.

Equal Employment and Opportunity Employer

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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.