Home Equity Processor

Citizens Bank; Johnston, Northern (RI, KY); Hybrid; USD 54,000 - 78,000; Full time

Job summary

Citizens Bank in Johnston, RI seeks an experienced loan document specialist to review loan documentation for compliance with bank requirements. You will coordinate with customers, loan officers, branches, and other financial institutions to obtain documents and ensure accuracy.

In this role you’ll review titles, appraisals, flood certifications and income documents, maintain a processing pipeline and communicate status clearly to internal and external customers. Hours are 40/week in Johnston.

Qualifications

• 2+ years of mortgage or home equity processing experience.
• Knowledge of DTI and LTV ratios and related reports.
• Ability to decipher loan documentation and reports.
• Read and understand title reports and insurance documents.
• Explain appraisal contents to customers clearly.
• Maintain a processing pipeline and meet SLAs.
• Strong oral and written communication with customers and staff.
• Thorough understanding of regulatory guidelines, policies and procedures.
• Proficient PC skills and basic office software.

Responsibilities

• Review loan application documentation for accuracy and completeness.
• Interact with customers, loan officers and branches to obtain documents and review titles, appraisals, flood certifications, and income documents.
• Make welcome calls on new files and maintain call cadence to keep customers informed.
• Ensure documentation exists in the system of record and update status for reviewers.

Skills

Mortgage processing

DTI/LTV analysis

Title reports

Appraisal reports

Insurance documents

Flood packages

Income documentation

Pipeline management

Communication skills

Regulatory compliance

High school diploma

PC skills

Education

High School Diploma or equivalent

Job description

Description

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

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 customer's are communicated direct and well informed of all aspects of their line in process.
• Ensure that documentation exists in the system of record of their call cadence contacts, results of the contact so that they and any colleague who reviews the file is aware of the file status.

Qualifications, Education, Certifications And/or Other Professional Credentials

• 2+ years of either mortgage or home equity processing experience
• Knowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites
• Ability to calculate DTI and LTV ratios for alternative borrowing scenarios
• Able to read and understand different types of title reports and research title issues
• Able to read and explain to customers the content of appraisal reports
• Able to read and understand homeowners and flood insurance documents
• Able to complete flood packages
• Solid understanding of income documentation, including complicated tax returns
• Able to maintain a pipeline and meet customer touch point 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 PC skills

Hours & Work Schedule

• Hours per Week: 40 (plus OT when needed)
• Work Schedule: M-F 8:15-5:00 (EST), 4 days in Johnston, RI office

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

Posting End Date: 10/30/2026