Retail Credit Business Analyst

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Retail Credit Business Analyst

Position OverviewThe Business Process Analyst supports Retail Creditincluding consumer and small business lendingand the Retail Lending Collections organization by identifying, analyzing, and improving business processes, systems, and data workflows. This role translates operational challenges into actionable business requirements, process enhancements, test plans, and data mapping to support strategic initiatives across the Retail Lending lifecycle. The incumbent plays a key role in driving continuous process improvement to enhance efficiency, reduce operational risk, and improve both customer and employee experiences. Responsibilities include creating and maintaining process documentation, preparing and executing user acceptance testing, and partnering with project managers to ensure accurate and timely project deliverables.

Primary Responsibilities

• Collaborates with Subject Matter Experts (SMEs) in Retail Credit and Retail Lending Collections to develop, update, and maintain business requirements, process documentation, workflows, and data mapping extracts.
• Ensures documentation is clear, accurate, and aligned with operational needs, regulatory expectations, and system capabilities.
• Leads or supports continuous improvement initiatives by analyzing current-state processes, identifying inefficiencies, and recommending enhancements that streamline workflows, strengthen controls, and improve overall performance.
• Applies process improvement methodologies and best practices to support automation, consistency, and scalability across Retail Lending operations.
• Translates operational challenges, business problems, and user needs into actionable requirements, process changes, test cases, and data mapping objects.
• Ensures all requirements are comprehensive, testable, and aligned with project goals and business strategy.
• Creates, manages, and executes test plans and user acceptance testing (UAT) for system enhancements, new functionality, and process changes.
• Validates that deliverables meet business needs, regulatory standards, and quality expectations before deployment.
• Communicates effectively with Retail Credit, Collections, project managers, IT partners, and other key stakeholders to gather insight, resolve issues, and ensure alignment on process improvements and project outcomes.
• Participates actively in project meetings and contributes expert guidance throughout the project lifecycle.
• Provides expert-level input on Retail Credit and Collections operations, process design, data flow, and quality assurance practices.
• Supports the development of operational standards, controls, and best practices to improve consistency and reduce risk.
• Serves as a risk manager by understanding, identifying, monitoring, and escalating risks associated with daily responsibilities in alignment with F.N.B. Corporation's risk management program.
• Ensures all process changes, documentation updates, and testing activities adhere to regulatory requirements, internal controls, and company policies.
• Performs other duties, projects, and cross-functional initiatives focused on operational excellence and continuous improvement as assigned.

Minimum Education

• Associate's Degree required
• Bachelor's Degree preferred

Minimum Years of Experience

• 3 years of job-related experience preferred, ideally in business analysis, quality assurance, or process improvement within financial services, lending operations, or related environments.

Special Skills

• Strong analytical and problem-solving abilities with a continuous improvement mindset
• Excellent written and verbal communication skills
• Ability to work effectively and manage multiple priorities in a fast-paced environment
• Strong organizational, interpersonal, and documentation skills
• High attention to detail with a focus on accuracy and quality
• Proficiency in:
  • MS Word Intermediate
  • MS Excel Intermediate
  • MS PowerPoint Intermediate
  • MS Visio
  • SharePoint
• Familiarity with process improvement methodologies (Lean, Six Sigma) is a plus
• Prior experience in Business Analysis and QA Testing preferred
• Experience with Retail Credit and Retail Lending Collectionsincluding consumer and small business lendingis required

Licenses & Certifications

• None required
• Relevant process improvement certifications (e.g., Lean Six Sigma Yellow/Green Belt) are preferred but not mandatory

Physical Requirements / Work Conditions

• Traditional office work environment

Position Title: Business Analyst

Business Unit: Multiple

Reports to: Varies Based on Assignment

Position Overview:

This position is primarily responsible for working with the Lines of Business (LOB) Subject Matter Experts to translate LOB problems into requirements, process changes, test cases, data mapping, etc. The incumbent manages/assists with updating/creating business requirements, process documentation, data mapping extracts and test plans and manages/assists with user acceptance testing. The incumbent works with the project managers to complete and update project documentation and deliverables and provides expert input and best practice guidance on areas of subject matter expertise.

Primary Responsibilities:

Works with LOB Subject Matter Experts to update/create business requirements, process documentation and data mapping extracts. Responsibilities may include database management, report generation and analysis depending on LOB.

Understands the business problem and is able to translate into requirements, process changes, test cases, data mapping, etc.

Manages/assists with the creation and execution of test plans and user acceptance testing.

Clearly communicates with LOB partners, understands the problem at hand and ensures end-product quality.

Works with the project managers to complete and update project documentation and deliverables and attends project meetings.

Provides expert input and best practice guidance on areas of subject matter expertise.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

Associates

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

3

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent communication skills, both written and verbal

Ability to work and multi-task in a fast paced environment

Excellent organizational, analytical and interpersonal skills

Detail-oriented

Ability to use a personal computer and job-related software

MS Word - Intermediate Level

MS Excel - Intermediate Level

MS PowerPoint - Intermediate Level

BA or BS education preferred. Proficient in MS Visio and SharePoint. Business Analysis/QA Testing experience preferred. Experience with Commercial/Consumer Banking and/or Operations required.

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

Equal Employment Opportunity (EEO):

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.