Analyst - Asset-Backed Securitization; PM

Overview

Citizens Bank is seeking a highly motivated Analyst to join the Asset Backed Securitization (ABS) Portfolio Management team within the Capital Markets division. This role supports the Asset Backed Finance (ABF) group, which is responsible for sourcing, underwriting, and managing loan commitments backed by portfolios of consumer and commercial non-mortgage assets. The Analyst will play a key role in managing existing transactions, supporting deal execution, and ensuring ongoing compliance and performance tracking.

• Transaction Management & Execution Support
  • Assist in the approval and closing process for ABS transactions, including building work packages in Sales
    
    FLO and coordinating internal approvals
  • Serve as liaison between Originations, Closing, Servicing, and Operations teams
  • Collect and process KYC documentation and set up new client profiles in internal systems
  • Generate expected returns using profitability models
  • Build strong relationships with internal and external stakeholders
• Portfolio Monitoring & Reporting
  • Track monthly servicer reports; follow up on late submissions, discrepancies, and administrative issues
  • Verify covenant calculations and manage borrower reporting and compliance requirements within internal tracking systems
  • Monitor facility utilization, draws and paydowns
  • Prepare monthly invoices; reconcile calculations and coordinate with clients
  • Contribute to SSFA worksheet completion
  • Maintain and regularly update a centralized spreadsheet tracking key terms and conditions for each Asset-Backed Securitization Loan (ABSL) transaction
  • Over time, assist in the preparation of the quarterly business reviews, annual reviews and other ad hoc projects for the ABS team
• Documentation
  • Upload and organize documentation in internal file share systems; maintain complete and up-to-date credit files
  • Review and summarize legal documents related to ABS transactions
  • Support internal and external audits by gathering loan-level information

• Education:
  • Bachelor’s Degree in Business, Finance, Accounting, or Economics
• Experience:
  • 0–2 years of experience; exposure to non-mortgage asset-backed securitization is a plus
• Skills:
  • Strong analytical skills with the ability to synthesize large data sets into actionable insights
  • Excellent verbal and written communication skills; collaborative mindset
  • High attention to detail and strong organizational/time management skills
  • Proficiency in Microsoft Office (Excel, Word, PowerPoint); familiarity with Sales Force, Precision Lender, and CRM/Dashboard is a plus

The salary range for this position is $95,000 - $105,000 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, 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  .

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.

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, 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.

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