Description

As the Home Mortgage Retail Project Underwriter Specialist, you will be responsible for providing a lean decision based on an individual’s credit history, financial position and strength of collateral. Solid understanding of multiple product lines – may include government products and conventional.

Primary responsibilities include

Underwriting and decisioning condo projects to Fannie, Freddie, FHA/VA, or Citizens Portfolio guidelines. Cooperative underwriting and decisioning is strongly preferred.Preparing underwriting summaries for other stakeholders (loan officers, credit underwriters, portfolio administrators, etc.)Fully documenting project reviews within the mortgage loan origination system, department’s database, and organizing all collateral documents within the team shared driveDemonstrating sound judgement in the analysis of project documents (questionnaires/addendums, financial statements, insurance, legal documents, reserve studies, etc.)Identifying solutions or alternative paths for project approval wherever possible (i.e., warrantable to non-warrantable)Reviewing/Decisioning deed restrictions and community second programs for all property types

Qualifications, Education, Certifications and/or Other Professional Credentials

5 or more years of condo project review experience required with coop project review experience preferred.Experience in mortgage bank Project underwriting strongly preferredBA/BS degree preferred or equivalent preferred Self-directed with excellent time management skills Exceptional written and verbal skillsStrong ability to problem solve and collaborate with others to find solutions

Hours & Work Schedule

Hours per Week: 40Work Schedule: 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.