Student Lending Underwriter

Join to apply for the Student Lending Underwriter role at Citizens

• Ensure material information captured in the automated underwriting system is accurate at time of review.
• 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 Citizens Bank.
• Respond timely to quality control and audit reviews when requested. Provide superior customer service to both internal and external customers.
• Ensure Quality Assurance process is in place and adhered to prior to loan disbursement.
• Assist the Group Team Manager where necessary.
• Fraud detection during documentation review.

• Minimum of 5 or more years underwriting required, student loan and/or mortgage lending experience preferred
• Automated Underwriting System experience required
• Self-directed with excellent time management skills
• Demonstrated ability to analyze and evaluate complex income documentation, including complex tax returns, trust, investment, retirement, etc.
• Must have strong judgement review abilities and autonomous decision-making skills
• Ability to work in a face‑paced environment
• Exceptional written and verbal communication skills
• Advanced proficiency in Word and Excel

• Bachelor's Degree preferred or equivalent coursework and/or training in underwriting

• Hours per week: 40
• Work Schedule:
  
  8:00am – 5:00pm, Monday – Friday
• In office:
  Johnston, RI 4 days, 1 day remote
• Some overtime expected
• Limited PTO during summer months (June, July and August)

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.

At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Posting End Date: 01/09/2026