Retail Credit Business Analyst

Position Overview
The Business Process Analyst supports Retail Credit-including consumer and small business lending-and 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.

• 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.

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

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

• Strong analytical and problemsolving abilities with a continuous improvement mindset
• Excellent written and verbal communication skills
• Ability to work effectively and manage multiple priorities in a fastpaced 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 Collections-including consumer and small business lending-is required

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

• Traditional office work environment