Asset & Liability Sr. Analyst

Asset & Liability Sr. Analyst

As part of the ALM Team, you will develop Treasury experience and take responsibility for the end‑to‑end forecasting process of a sub‑set of the CFG balance sheet across multiple economic and interest‑rate scenarios. The role supports the bank’s hedging of interest‑rate risk and decisioning around target capital operating levels, providing senior management and the Board with key insights into the bank’s risk position.

The ALM Team produces monthly interest‑rate risk and quarterly capital stress‑testing analytics. These analytics help the bank make informed decisions about hedging and capital allocation.

• Work cross‑functionally to generate forecasting assumptions for assigned portfolio(s)
• Be the subject‑matter expert of the assigned portfolio(s) within Treasury ALM
• Combine financial mathematics, banking products, and QRM capabilities to identify and recommend best‑in‑class forecasting approaches
• Perform attribution analysis of portfolio impacts on balance sheet risk metrics
• Execute assumption sensitivity and back‑testing to identify the main drivers of changes in metrics
• Regularly review portfolio assumptions and processes to identify areas of improvement
• Enhance and/or develop reporting tools used to communicate risk drivers to senior management
• Complete ad‑hoc analyses to improve balance sheet modeling risk analytics

• Bachelor’s degree with preference for business, finance, computer science, math, or statistical majors
• Interest in learning new software packages and building analytical efficiency
• Ability to coordinate tasks and effectively manage time to meet deliverables
• Good written and oral communication skills
• Quick learner, comfortable with the concepts of financial mathematics
• Self‑starter
• Intellectual curiosity and creative problem‑solving skills
• Pride in quality of work
• General knowledge of bank financials and market dynamics

• Moderate to advanced Excel skills
• Moderate to advanced SQL skills
• Exposure to Oracle/Essbase
• Exposure to cash‑flow engines such as QRM, Empyrean, Bancware, etc.

• Hours per week: 40
• Work schedule:
  
  M‑F Hybrid – 4 days in the office, 1 remote

The salary range for this position is $98,880 – $148,320 per year. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

Benefits include comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. 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

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 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.

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.