Mortgage Retail Underwriter Senior Specialist

Position: Home Mortgage Retail Underwriter Senior Specialist

Description

As the Home Mortgage Retail Underwriter Senior Specialist, you will be responsible for providing a lean decision based on an individual’s credit history, financial position and strength of collateral. Solid understanding of multiple product lines – may include government products and conventional.

Primary responsibilities

• Complete thorough review analysis of loan files to determine compliance with various company and external guidelines.
• Review and clear conditions.
• Respond to post closing and audit reviews in a timely manner.
• Complete all data entry into loan tracking systems.
• Communicate to sales and processing through calls and emails related to loan products, underwriting guidelines, loan scenarios and file statuses.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 5+ years of solid experience including Portfolio Underwriting / Jumbo Underwriting.
• Ability to analyze a complex income and asset profile.
• Experience using Automated Underwriting Systems.
• Self‑directed with excellent time‑management skills.
• Experienced as Delegated Underwriter with all approved MI companies.
• Ability to analyze and evaluate sophisticated income documentation.
• Outstanding written and verbal communication skills.
• Desire to work in a production environment.
• Proficiency in Word and Excel.
• BA/BS degree preferred or equivalent experience in underwriting/mortgage banking.
• Direct Endorsement Certification preferred.
• VA LAPP approval preferred.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule:
  
  Monday‑Friday

Pay Transparency

The salary range for this position is $75,000 - $95,000 per year, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

Benefits

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time‑away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit

Some job boards have started using jobseeker‑reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

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.

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