Home Equity Underwriter

At Citizens, we’re more than a bank. As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. As the Home Equity Underwriter, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You are responsible for reviewing all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. You will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally!

• Ensure material information captured in the application is accurate at time of review
• Proactively suggest program alternatives within their product capabilities for customers who do not qualify for terms initially submitted or escalate for further review by a more senior underwriter.
• Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making
• Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested
• Knowledge of all income sources, including the ability to interpret income tax returns
• Basic knowledge of all legal, compliance and regulatory requirements for the product set

• Provide exceptional customer service in all written and verbal communications to both internal and external customers

   

QUALIFICATIONS

• 2 years Mortgage or equity processing or junior underwriting experience in a lending institution
• Experience using Automated Underwriting Systems 
• Self-directed with excellent time management skills
• Demonstrated ability to analyze and evaluate complex income documentation 
• Exceptional written and verbal communication skills 
• Desire to work in a production environment 
• Advanced proficiency in Word and Excel 

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday to Friday 8 am to 5 pm. Overtime as needed, in office 4 days a week

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.