Equity Processor

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Description

As a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

When you are in this role, you will review submitted documentation to ensure compliance with bank requirements. Additionally, you will follow-up and review routine documentation requirements with customers, loan officers, branches, and other financial institutions. Furthermore, you will complete reviews within department standards and enter clear, concise comments, edit information and document application status on appropriate loan systems. Lastly, you will communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, explanation of required documentation and/or closing information.

Most importantly, at Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role and make an impact!

Primary Responsibilities Include

• Review loan application documentation.
• Interact with customers, work with both loan officers and branch colleagues to obtain required documents from customers, order and review property titles, appraisals, flood certifications, and income documents to ensure accuracy and completeness.
• Make welcome calls on new files, follow the department's call cadence throughout the process to ensure customers are communicated with directly and well informed of all aspects of their loan process.
• Ensure that documentation exists in the system of record of their call contacts, results of the contact so that they and any reviewer are aware of the file status.
• Act as main point of contact with customer during the processing of their loan application, review submitted documentation to ensure compliance with bank requirements.
• Follow-up and review routine documentation (paystubs, tax returns, W2s, trust documents, homeowners insurance, flood, etc.) with customers, loan officers, branches, and other financial institutions.
• Knowledge of loan processing and related vendor reports; familiar with state and federal regulations.
• Complete reviews within department standards. Enter clear, concise comments, edit information, and update application status on loan systems.
• Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, explanation of required documentation, and/or closing details.
• Participate in daily huddles.
• Must have excellent oral communication skills.

Qualifications, Education, Certifications And/or Other Professional Credentials

• 2+ years of mortgage or home equity processing experience.
• Knowledge of DTI and LTV ratios; ability to decipher loan documentation and related reports/websites.
• Ability to calculate DTI and LTV ratios for various scenarios.
• Ability to read and understand different title reports and research title issues.
• Ability to interpret appraisal reports for customers.
• Understanding of homeowners and flood insurance documents.
• Ability to complete flood packages.
• Solid understanding of income documentation, including complex tax returns.
• Ability to manage a pipeline and meet customer touchpoint SLAs.
• Experience in oral and written communication with internal and external customers.
• Thorough understanding of regulatory, state, and company guidelines, policies, and procedures.
• High School Graduate or equivalent.
• Proficient in PC skills.

Work Schedule

Hours per Week: 40 (plus OT when needed)

Work Schedule:

M-F 8:15-5:00 (EST)

This position is located in Johnston, RI.

Salary range estimates are provided by job boards; actual pay will be discussed by a recruiter upon application qualification.

Equal Employment Opportunity

Citizens and its affiliates provide equal employment opportunities without regard to various protected categories. We foster an inclusive culture where everyone is treated with respect and professionalism. Employment decisions are based on merit, qualifications, performance, and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture focused on helping customers and supporting local communities. Join our supportive, collaborative team with access to training and growth opportunities.

Posting End Date: 08/17/2025