Apply on Employer Site

Citizens · 2 days ago

Home Equity Senior Underwriter

Johnston, RI

Full-time

Onsite

Mid, Senior Level

3+ years exp

Citizens is more than a bank, offering a fulfilling career with opportunities for growth. The Home Equity Senior Underwriter is responsible for making quality credit decisions on HELOC applications, ensuring compliance with lending policies, and mitigating risk through sound judgment and analysis.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

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

Qualification

Home Equity lendingData analysisCredit policy knowledgeIncome calculation analysisAutomated systems experienceInterpersonal skillsCommunication skillsDetail-orientedOrganizational skills

Required

Three to five years related experience

Demonstrated knowledge of equity lending policies, procedures, and products, as well as knowledge of 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

Preferred

Home Equity lending and processing experience preferred

Company

Citizens

Glassdoor3.6

At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.

Founded in 1828

Providence, Rhode Island, USA

10001+ employees

https://www.citizensbank.com/

H1B Sponsorship

Citizens has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2020 (1)