Home Equity Senior Underwriter

Citizens Bank
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 3-5 yearsEducation: high_schoolSkills: ["Detail-oriented","Communication","Interpersonal skills","Judgment","Problem-solving","Execution focus"]

Underwrite complicated new HELOC (Home Equity Line of Credit) applications for the Wealth Team, rendering quality credit decisions using consumer lending credit policy and regulatory guidelines. Review and validate required documentation, analyze POI including personal and business tax returns/K-1s to verify income and ability to repay, assess counteroffer opportunities, and maintain productivity while meeting credit quality standards and mitigating organization risk through sound judgment and clear documentation.

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FursaFursa
Citizens Bank
Citizens Bank
1 month ago

Home Equity Senior Underwriter

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

Source: Company careers pageValidated by: Fursa AI
Last checked: 18 hours agoStatus: Live
Reposted: similar role first listed 6 months ago

Job Summary

Underwrite complicated new HELOC (Home Equity Line of Credit) applications for the Wealth Team, rendering quality credit decisions using consumer lending credit policy and regulatory guidelines. Review and validate required documentation, analyze POI including personal and business tax returns/K-1s to verify income and ability to repay, assess counteroffer opportunities, and maintain productivity while meeting credit quality standards and mitigating organization risk through sound judgment and clear documentation.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Analyze and make appropriate decisions on Home Equity Line of Credit applications per consumer lending credit policy and regulatory guidelines, including FCRA and ECOA.
  • •Ensure material application information is accurate and updated based on provided documentation.
  • •Demonstrate sound judgment in reviewing required documentation while mitigating organizational risk through decision making.
  • •Meet or exceed productivity levels and credit quality standards.
  • •Interpret POI documents (including complicated personal and business tax returns/K-1s) to determine verifiable income and document the income calculation methodology; analyze counteroffer opportunities when original terms don’t qualify.

Pay and Benefits

Schedule:4-Day Week

Key Requirements

  • •3–5 years of related experience.
  • •Home equity lending and processing experience preferred.
  • •Strong experience reviewing complex personal and business tax returns, including self-employed borrower documentation and K-1s, to assess income and repayment ability.
  • •Demonstrated knowledge of equity lending policies, procedures, products, and secondary market guidelines.
  • •Organized and detail-oriented with excellent interpersonal, communication, and computer skills; experience with automated systems preferred. Attendance in office may be required.
Experience:3-5 years
Education:High School
Skills:Detail-orientedCommunicationInterpersonal skillsJudgmentProblem-solvingExecution focus
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