Home Equity Underwriter

Citizens Bank
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditEducation: high_schoolSkills: ["Data analysis","Problem-solving","Sound judgment","Communication","Interpersonal skills"]

Render quality credit decisions on complicated new HELOC applications by analyzing documentation against Consumer Lending credit policy and regulatory guidelines. Review and validate application materials, mitigate organizational risk with sound judgment, and meet productivity and credit-quality standards. Analyze complex personal and business tax documents to verify verifiable income, clearly document calculations, and evaluate counteroffer opportunities when original terms don’t qualify.

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FursaFursa
Citizens Bank
Citizens Bank
4 days ago

Home Equity Underwriter

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI
Last checked: 7 hours agoStatus: Live
Reposted: similar role first listed 2 months ago

Job Summary

Render quality credit decisions on complicated new HELOC applications by analyzing documentation against Consumer Lending credit policy and regulatory guidelines. Review and validate application materials, mitigate organizational risk with sound judgment, and meet productivity and credit-quality standards. Analyze complex personal and business tax documents to verify verifiable income, clearly document calculations, and evaluate counteroffer opportunities when original terms don’t qualify.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Analyze and decide Home Equity Line of Credit applications in accordance with Consumer Lending credit policy and regulatory guidelines (including the Fair Credit Reporting Act and Equal Credit Opportunity Act).
  • •Ensure material information is accurate and updated as needed based on the documentation provided.
  • •Review required documentation to determine valid credit decisions aligned with underwriting policies and mitigate organization risk.
  • •Analyze and interpret POI documents (including complicated personal/business tax returns and K1s), calculate verifiable income, and clearly document the methodology used.
  • •Meet or exceed productivity levels and credit quality standards; analyze applications for counteroffer opportunities when original terms don’t qualify.

Key Requirements

  • •2 years mortgage, home equity lending, home equity processing, or junior underwriting experience preferred.
  • •Knowledge of equity lending policies, procedures, products, and secondary market guidelines.
  • •Strong organization and attention to detail, with excellent interpersonal and communication skills.
  • •Experience with automated systems; proficiency with the relevant system is essential.
  • •Ability to analyze and evaluate complex income calculations.
Experience:Mortgage lendingHome equity lending
Education:High School
Skills:Data analysisProblem-solvingSound judgmentCommunicationInterpersonal skills
Tech Stack:Automated systems

Company Brief

Citizens Bank
Regional bank offering retail and commercial banking, mortgage lending, wealth management, and payment services to individuals and businesses across the United States.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Providence, United States
Founded: 1828
Website