Equity Underwriter

Description

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

• 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 per Week: 40

Work Schedule:

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

The salary range for this position is $27.40 - $33.65 per hour, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

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.

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.