Home Mortgage Retail Underwriter Specialist

POSTED ON 9/16/2020 AVAILABLE BEFORE 3/15/2021
Citizens Bank Hired Organization Address Jacksonville, FL Remote Full Time

Job Posting for Home Mortgage Retail Underwriter Specialist at Citizens Bank


As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Responsible for underwriting complete product offerings including automated and manual underwriting of mortgage loans. This is a loan decisioning position with significant financial and risk impact to the business.

  • Ensure material information captured in the automated underwriting system is accurate at time of review.
  • Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.
  • Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
  • Meet or exceed productivity levels established by Management and credit quality standards set forth by Citizens Bank, while responding timely to quality control and audit reviews when requested.
  • Assist the Group Team Manager when necessary and provide training when required.
  • In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
  • Is a resource for operations and sales colleagues regarding specific product requirements for loans in process.


  • 2-3 years mortgage and equity industry experience

  • Extensive knowledge of underwriting guidelines

  • Detail and organizational skills

  • Customer service skills

  • Excellent written and verbal communication skills

  • High School or Equivalent (GED) required, Certification, Licensure or other education training preferred

    Hours and Work Schedule

    Hours per Week: 40

    Work Schedule: Monday-Friday 8:00AM-5:00PM

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