Home Equity Underwriter II

Job Title: Home Equity Underwriter II

Citizens is 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.

We're seeking an experienced Home Equity Underwriter II to render quality credit decisions on complicated new HELOC applications using data analysis, problem-solving skills, and knowledge of Consumer Lending credit policy and regulatory guidelines.

The successful candidate will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Key Responsibilities: • Analyze and make informed decisions on Home Equity Line of Credit applications in accordance with Consumer Lending credit policy and regulatory guidelines. • Ensure material information captured in the application is accurate and up-to-date based on documentation provided. • Demonstrate sound judgment in analyzing 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, to determine verifiable income and verify a customer's ability to repay the loan. • Analyze all applications for counteroffer opportunities when original terms requested do not qualify. Qualifications: • Three to five years related underwriting experience. • Home Equity lending and processing experience preferred. • Demonstrated knowledge of equity lending policies, procedures, and products, as well as secondary market guidelines. • Must be organized, detail-oriented, and have excellent interpersonal, communication, and computer skills. • Experience with automated systems. • Proficiency with the system is essential. • Ability to work well with retail sales and loan officers. • Demonstrated ability to analyze and evaluate complex income calculations. • Desire to work in a fast-paced production environment.

Work Schedule: Monday - Friday, 40 hours per week.

Citizens is committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism.

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