Home Equity Senior Underwriter

Citizens Bank
Cincinnati
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 3-5 yearsEducation: high_schoolSkills: ["Sound judgment","Communication","Attention to detail","Problem-solving","Organization"]

Render quality credit decisions on complicated new HELOC applications by analyzing documentation, income calculations, and policy/regulatory requirements. Review required materials to ensure decisions align with Consumer Lending credit policy, underwriting standards, and secondary market guidelines. Mitigate organizational risk with sound judgment and clear communication, meet productivity/credit-quality targets, and document income methodology while evaluating counteroffer opportunities when original terms don’t qualify.

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FursaFursa
Citizens Bank
Citizens Bank
6 days ago

Home Equity Senior Underwriter

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Last checked: 1 hour agoStatus: Live

Job Summary

Render quality credit decisions on complicated new HELOC applications by analyzing documentation, income calculations, and policy/regulatory requirements. Review required materials to ensure decisions align with Consumer Lending credit policy, underwriting standards, and secondary market guidelines. Mitigate organizational risk with sound judgment and clear communication, meet productivity/credit-quality targets, and document income methodology while evaluating counteroffer opportunities when original terms don’t qualify.
Location: Cincinnati
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.
  • •Verify that application information is accurate and updated based on provided documentation.
  • •Review and analyze POI documents (including complex personal and business tax returns/K1s) to determine verifiable income and document the methodology.
  • •Demonstrate sound judgment in required documentation analysis to mitigate organization risk and meet productivity and credit-quality standards.
  • •Analyze applications for counteroffer opportunities when original terms requested do not qualify.

Pay and Benefits

Schedule:4-Day Week

Key Requirements

  • •3–5 years of related experience.
  • •Home equity lending and processing experience preferred.
  • •Demonstrated knowledge of equity lending policies, procedures, products, and secondary market guidelines.
  • •Organized, detail-oriented with excellent interpersonal, communication, and computer skills.
  • •Experience with automated systems and the ability to analyze and evaluate complex income calculations.
Experience:3-5 years
Education:High School in High School Graduate/GED
Skills:Sound judgmentCommunicationAttention to detailProblem-solvingOrganization
Languages:US
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