Home Mortgage Retail Underwriter Senior Specialist

Citizens Bank

Johnston, RI, US
$70,000 - $100,000 py; bonus/equity: opportunity t...
Fully remote
Conventional, portfolio, and non-qm loan products
Analyze borrower credit, income, assets, collateral
Ensure compliance with company credit policy
Citizens Bank is seeking a Senior Mortgage Underwriter to evaluate residential mortgage loan applications, ensuring compliance with credit policies and regulatory requirements. The ideal candidate should possess strong analytical skills, particularly in complex borrower scenarios, with at least five years of underwriting experience

Job Summary

  • We are seeking an experienced Senior Mortgage Underwriter to evaluate residential mortgage loan applications including Conventional, Portfolio, and Non-QM loan products.
  • The Senior Underwriter will analyze borrower credit, income, assets, and collateral to determine loan eligibility while ensuring compliance with company credit policy, investor guidelines, and regulatory requirements.
  • We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

Matching Summary

Match Score: 85

Citizens Bank is seeking a Senior Mortgage Underwriter to evaluate residential mortgage loan applications, ensuring compliance with credit policies and regulatory requirements. The ideal candidate should possess strong analytical skills, particularly in complex borrower scenarios, with at least five years of underwriting experience.

Salary

$70,000 - $100,000 per year; Bonus/Equity: Opportunity to earn additional incentive earnings; Benefits: Comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

Skills & Requirements

Must-have

  • Conventional, Portfolio, and Non-QM loan products
  • Analyze borrower credit, income, assets, collateral
  • Ensure compliance with company credit policy
  • Ability-to-Repay (ATR) requirements
  • Manual underwriting and risk analysis

Nice-to-have

  • Exercise independent credit judgment
  • Strong analytical skills
  • Fostering an inclusive culture

Key Requirements

  • 5+ years of mortgage underwriting experience
  • Experience underwriting Conventional, Portfolio, and Non-QM loan programs
  • High School Graduate/GED

Work Rights

Not specified

Tailored Resume

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