Home Equity Underwriter II

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 II, 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!

Primary responsibilities include

• Analyze and appropriately decision Home Equity Line of Credit applications in accordance with the Consumer Lending credit policy and regulatory guidelines (including the Fair Credit Reporting Act and Equal Credit Opportunity Act).
• Ensure material information captured in the application is accurate and updated as needed based on the documentation provided.
• Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
• Meet or exceed productivity levels and credit quality standards, as established.
• Analyze and interpret POI documents, including complicated personal and business tax returns/K1's, in order to determine verifiable income in an effort to verify a customer’s ability to repay the loan. Clearly document files with the methodology used to calculate the income.
• Analyze all applications for counteroffer opportunities when the original terms requested do not qualify.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 2 years previous underwriting experience required
• Job location Johnston Facility -required to work 3 days in office

Hours & Work Schedule

• 40
• 8 am - 5 pm

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

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

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

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.