Description As the Home Mortgage Loss Mitigation Decisioning, you will perform reconciliation process on files received from Front End Fulfillment Group by going into the loan system. The Front End Fulfillment group will send task to Decisioning, Decisioning acknowledges receipt of file and reviews file for complete documentation. Primary responsibilities include + Evaluate borrower documentation including income, assets, credit reports, employment history, and property details. + Analyze the borrower's financial profile to determine their ability to repay the loan. + Ensure all required documents are complete and accurate + Analyze financial information to determine most effective work out strategy. + Assess creditworthiness and debt-to-income (DTI) ratios. + Ensure the loan meets all regulatory requirements and lender guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA). + Stay updated on changes in underwriting standards and mortgage regulations. + Analyze property valuations to determine loss exposure. + Approve, or deny loan applications based on findings. + Provide conditions for approval if necessary (e.g., additional documentation or clarification) + Collaborate with processors, and other stakeholders to resolve issues. + Clearly communicate underwriting decisions and conditions. + Maintain detailed records of underwriting decisions and rationale. + Utilize automated underwriting systems ((BITB-Back in the Black (BITB) + Complete steps within the decisioning process work flow within assigned timelines to ensure maximum customer experience. + Ensure all regulatory requirements are met for each account within the Work out process. + Update documents to system depository Qualifications, Education, Certifications and/or Other Professional Credentials + Required Qualifications + Strong understanding of mortgage lending guidelines (FHA, VA, Fannie Mae, Freddie Mac). + Proficiency in automated underwriting systems Back in the Black (BITB) + Ability to interpret credit reports, income documentation, and appraisal reports. + Detail-oriented with strong analytical and decision-making skills. + Preferred Qualifications + Requires a bachelor’s degree or two years equivalent experience + Work hours: 40 weekly + Full-time, on-site position + Work Schedule: 8am-5pm Monday -Friday Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 08/31/2025