Home Equity Processor

Citizens; Johnston (RI); On-site; USD 55,000 - 70,000; Full time

Job summary

A financial services company in Johnston, RI is seeking a Home Equity Processor to review loan documentation and ensure compliance with bank requirements. The ideal candidate will have over 2 years of experience in mortgage processing and strong communication skills. This full-time role offers training opportunities and a customer-centric work environment.

Qualifications

• 2+ years of mortgage or home equity processing experience.
• Ability to read and understand title reports and research title issues.
• Solid understanding of income documentation, including complex tax returns.
• Ability to read and understand different title reports and research title issues.
• Ability to interpret appraisal reports for customers.
• Understanding of homeowners and flood insurance documents.
• Ability to complete flood packages.
• Solid understanding of income documentation, including complex tax returns.
• Ability to manage a pipeline and meet customer touchpoint SLAs.
• Experience in oral and written communication with internal and external customers.
• Thorough understanding of regulatory, state, and company guidelines, policies, and procedures.
• High School Graduate or equivalent.
• Proficient in PC skills.

Responsibilities

• Review loan application documentation.
• Interact with customers to obtain required documents.
• Ensure documentation accuracy and completeness.
• Ensure documentation exists in the system of record for contacts and results.
• Act as main point of contact with customers during loan processing and verify compliance with bank requirements.
• Follow-up and review routine documentation with customers, loan officers, branches, and other institutions.
• Knowledge of loan processing and vendor reports; familiar with state and federal regulations.
• Complete reviews within department standards; enter comments and update loan status in loan systems.
• Communicate professionally with internal and external customers regarding status requests and required documentation.
• Participate in daily huddles.
• Must have excellent oral communication skills.

Skills

Mortgage processing experience

Understanding of DTI and LTV ratios

Excellent oral communication skills

Ability to manage a pipeline

Regulatory knowledge

Education

High School Graduate or equivalent

Tools

PC skills

Job description

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Description

As a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

When you are in this role, you will review submitted documentation to ensure compliance with bank requirements. Additionally, you will follow-up and review routine documentation requirements with customers, loan officers, branches, and other financial institutions. Furthermore, you will complete reviews within department standards and enter clear, concise comments, edit information and document application status on appropriate loan systems. Lastly, you will communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, explanation of required documentation and/or closing information.

Most importantly, at Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role and make an impact!

Primary Responsibilities Include

• Review loan application documentation.
• Interact with customers, work with both loan officers and branch colleagues to obtain required documents from customers, order and review property titles, appraisals, flood certifications, and income documents to ensure accuracy and completeness.
• Make welcome calls on new files, follow the department's call cadence throughout the process to ensure customers are communicated with directly and well informed of all aspects of their loan process.
• Ensure that documentation exists in the system of record of their call contacts, results of the contact so that they and any reviewer are aware of the file status.
• Act as main point of contact with customer during the processing of their loan application, review submitted documentation to ensure compliance with bank requirements.
• Follow-up and review routine documentation (paystubs, tax returns, W2s, trust documents, homeowners insurance, flood, etc.) with customers, loan officers, branches, and other financial institutions.
• Knowledge of loan processing and related vendor reports; familiar with state and federal regulations.
• Complete reviews within department standards. Enter clear, concise comments, edit information, and update application status on loan systems.
• Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, explanation of required documentation, and/or closing details.
• Participate in daily huddles.
• Must have excellent oral communication skills.

Qualifications, Education, Certifications And/or Other Professional Credentials

• 2+ years of mortgage or home equity processing experience.
• Knowledge of DTI and LTV ratios; ability to decipher loan documentation and related reports/websites.
• Ability to calculate DTI and LTV ratios for various scenarios.
• Ability to read and understand different title reports and research title issues.
• Ability to interpret appraisal reports for customers.
• Understanding of homeowners and flood insurance documents.
• Ability to complete flood packages.
• Solid understanding of income documentation, including complex tax returns.
• Ability to manage a pipeline and meet customer touchpoint SLAs.
• Experience in oral and written communication with internal and external customers.
• Thorough understanding of regulatory, state, and company guidelines, policies, and procedures.
• High School Graduate or equivalent.
• Proficient in PC skills.

Work Schedule

Hours per Week: 40 (plus OT when needed)

Work Schedule: M-F 8:15-5:00 (EST)

This position is located in Johnston, RI.

Salary range estimates are provided by job boards; actual pay will be discussed by a recruiter upon application qualification.

Equal Employment Opportunity

Citizens and its affiliates provide equal employment opportunities without regard to various protected categories. We foster an inclusive culture where everyone is treated with respect and professionalism. Employment decisions are based on merit, qualifications, performance, and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture focused on helping customers and supporting local communities. Join our supportive, collaborative team with access to training and growth opportunities.

Posting End Date: 08/17/2025