Residential Lending Specialist - Citizens Private Bank
Citizens, San Francisco, CA, United States
Responsibilities
Strong understanding of Private Bank credit policy, underwriting guidelines, and loan origination systems.
Serve as the main point of contact for Relationship Managers, Client Relations team, and third parties after RM handoff.
Perform thorough analysis of client financials to determine loan eligibility and qualification.
Monitor the active pipeline to ensure loan workflow is efficient and closing deadlines are met.
Maintain high-level quality control by verifying the accuracy of financial and loan documents.
Manage the end-to‑end loan process with internal and external partners from loan live date through closing, including presenting loans to Credit Officers for approval, locking rates, ordering appraisals and title, collecting conditions, and coordinating closing and post‑closing requests.
Specialize in Residential Lending and Underwriting, setting up loan and borrower terms in Empower, ordering inspections, completing underwriting reviews, generating conditions, and providing initial approval decisions or loan recommendations for a Credit Risk Officer.
Qualifications
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 (this is an exempt position; meeting deadlines may require additional hours as needed).
Work schedule: Monday–Friday (required 4 days in office/1 day WFH).
Hiring locations: West Palm Beach, FL; San Francisco, CA; and Los Angeles, CA.
Pay & Benefits
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 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. 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 https://jobs.citizensbank.com/benefits.
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, gender, gender identity or expression, genetic information, marital or domestic partner status, violence victim status, family or domestic status, pregnancy, military or veteran status, national origin, or any other category protected by federal, state, and/or local laws. At Citizens, we are committed to fostering an inclusive culture and treating all colleagues with respect and professionalism.
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results are reviewed based on legal requirements and job relevance.
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Strong understanding of Private Bank credit policy, underwriting guidelines, and loan origination systems.
Serve as the main point of contact for Relationship Managers, Client Relations team, and third parties after RM handoff.
Perform thorough analysis of client financials to determine loan eligibility and qualification.
Monitor the active pipeline to ensure loan workflow is efficient and closing deadlines are met.
Maintain high-level quality control by verifying the accuracy of financial and loan documents.
Manage the end-to‑end loan process with internal and external partners from loan live date through closing, including presenting loans to Credit Officers for approval, locking rates, ordering appraisals and title, collecting conditions, and coordinating closing and post‑closing requests.
Specialize in Residential Lending and Underwriting, setting up loan and borrower terms in Empower, ordering inspections, completing underwriting reviews, generating conditions, and providing initial approval decisions or loan recommendations for a Credit Risk Officer.
Qualifications
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 (this is an exempt position; meeting deadlines may require additional hours as needed).
Work schedule: Monday–Friday (required 4 days in office/1 day WFH).
Hiring locations: West Palm Beach, FL; San Francisco, CA; and Los Angeles, CA.
Pay & Benefits
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 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. 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 https://jobs.citizensbank.com/benefits.
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, gender, gender identity or expression, genetic information, marital or domestic partner status, violence victim status, family or domestic status, pregnancy, military or veteran status, national origin, or any other category protected by federal, state, and/or local laws. At Citizens, we are committed to fostering an inclusive culture and treating all colleagues with respect and professionalism.
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results are reviewed based on legal requirements and job relevance.
#J-18808-Ljbffr