Citizens Bank
Home Mortgage Retail Underwriter Senior Specialist
Citizens Bank, Cropwell, New Jersey, United States
Description
As the HM 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 include
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 preferred
Direct Endorsement Certification preferred
VA LAPP approval preferred
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday‑Friday
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 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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Primary responsibilities include
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 preferred
Direct Endorsement Certification preferred
VA LAPP approval preferred
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday‑Friday
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 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.
#J-18808-Ljbffr