Residential Lending Specialist - Citizens Private Bank (FL/CA)
Citizens, San Francisco, CA, United States
Description
The Private Bank, Lending Specialist (Residential) supports the Relationship Manager with their client's loan portfolio with extraordinary care and service. The Lending Specialist works primarily in operational, processing, and analytical capacities, ensuring a high level of quality control from the loan application through the closing process. They possess a strong understanding of Citizens Private Bank's credit policy, underwriting guidelines, and loan origination systems.
Primary Responsibilities
Serves as main point of contact for RM/Client Relations team and third parties after RM handoff.
Performs thorough analysis of client financials to determine loan eligibility and qualification.
Monitors active pipeline to ensure efficient loan workflow and meeting closing deadlines.
Maintains a high level of quality control for verifying accuracy of financial and loan documents.
Manages end-to-end loan process with internal/external partners from the time the loan is live through closing, including presenting loan to Credit Officer, locking and submitting loans, collecting conditions, assisting with closing coordination, and handling post-closing requests.
Specializes in residential lending and underwriting, setting up loan and borrower terms in Empower, locking rates, ordering appraisals and titles, preparing loan estimates, initiating condo/co‑op reviews, completing underwriting reviews, generating conditions, reviewing additional financials, uploading documentation, composing loan narratives, identifying policy variances or exceptions, and providing initial approval decisions for Credit Risk officer approval.
Qualifications, Education, Certifications and/or Other Professional Credentials
3+ years of residential lending underwriting and loan processing experience.
Demonstrated success working with high net worth, non‑traditional loans and mortgage underwriting.
Strong written and verbal communication skills with high attention to detail.
Proficient use of MS Excel, including pivot tables, macros, formulas, and application navigation.
Hours & Work Schedule
Hours per Week: 40 (exempt position; flexibility and additional hours may be required).
Work Schedule: Monday‑Friday, required 4 days in office and 1 day WFH.
Hiring Locations: West Palm Beach, FL; San Francisco, CA; Los Angeles, CA.
Pay Transparency The salary range for this position is $100,000.00 - $130,000.00 per year plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including location, 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. For an overview of benefits, visit
Benefits Page .
Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, disability, ethnicity, gender, gender identity or expression, genetic information, marital or domestic partner status, pregnancy/childbirth/lactation, race, religion, sex, sexual orientation, or any other category protected by law. We are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work.
Why Work for Us At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to local communities. As part of our team, you will experience 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 successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results are reviewed individually based on legal requirements and the nature of the background history and the job offered.
Closing Date 04/30/2026
#J-18808-Ljbffr
Primary Responsibilities
Serves as main point of contact for RM/Client Relations team and third parties after RM handoff.
Performs thorough analysis of client financials to determine loan eligibility and qualification.
Monitors active pipeline to ensure efficient loan workflow and meeting closing deadlines.
Maintains a high level of quality control for verifying accuracy of financial and loan documents.
Manages end-to-end loan process with internal/external partners from the time the loan is live through closing, including presenting loan to Credit Officer, locking and submitting loans, collecting conditions, assisting with closing coordination, and handling post-closing requests.
Specializes in residential lending and underwriting, setting up loan and borrower terms in Empower, locking rates, ordering appraisals and titles, preparing loan estimates, initiating condo/co‑op reviews, completing underwriting reviews, generating conditions, reviewing additional financials, uploading documentation, composing loan narratives, identifying policy variances or exceptions, and providing initial approval decisions for Credit Risk officer approval.
Qualifications, Education, Certifications and/or Other Professional Credentials
3+ years of residential lending underwriting and loan processing experience.
Demonstrated success working with high net worth, non‑traditional loans and mortgage underwriting.
Strong written and verbal communication skills with high attention to detail.
Proficient use of MS Excel, including pivot tables, macros, formulas, and application navigation.
Hours & Work Schedule
Hours per Week: 40 (exempt position; flexibility and additional hours may be required).
Work Schedule: Monday‑Friday, required 4 days in office and 1 day WFH.
Hiring Locations: West Palm Beach, FL; San Francisco, CA; Los Angeles, CA.
Pay Transparency The salary range for this position is $100,000.00 - $130,000.00 per year plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including location, 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. For an overview of benefits, visit
Benefits Page .
Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, disability, ethnicity, gender, gender identity or expression, genetic information, marital or domestic partner status, pregnancy/childbirth/lactation, race, religion, sex, sexual orientation, or any other category protected by law. We are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work.
Why Work for Us At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to local communities. As part of our team, you will experience 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 successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results are reviewed individually based on legal requirements and the nature of the background history and the job offered.
Closing Date 04/30/2026
#J-18808-Ljbffr