Home Equity Senior Underwriter

Citizens; Cincinnati (OH); On-site; USD 47,000 - 58,000; Full time

Benefits offered by this job

Health benefits

Retirement plan

Maternity/paternity leave

Education reimbursement

Wellness programs

Job summary

Citizens is seeking a Home Equity Senior Underwriter in Mason, OH to render quality credit decisions on complex HELOC applications. You will review documentation, apply the Consumer Lending policy and regulatory guidelines, and communicate decisions to mitigate risk while supporting business objectives.

The role emphasizes data-driven analysis, sound judgment, and collaboration with multiple departments in a fast-paced environment. A 40-hour work week with in-office presence is typical.

Qualifications

• Five or more years of related experience preferred in Home Equity lending or underwriting.
• Knowledge of equity lending policies, procedures, and products, plus secondary market guidelines.
• Organized, detail-oriented with strong interpersonal, communication and computer skills.
• Experience with automated systems and required office attendance to coordinate with multiple departments.

Responsibilities

• Analyze and decide on Home Equity Line of Credit applications in line with policy and regulatory guidelines (FCRA/EOA).
• Ensure accuracy and currency of material information in the application based on documents provided.
• Demonstrate sound judgment to mitigate organizational risk through informed decision making.
• Meet or exceed productivity and credit quality standards set by the team.
• Analyze POI documents and complex income (tax returns/K-1s) to verify ability to repay; document methodology.
• Identify counteroffer opportunities when initial terms don’t qualify.

Skills

Credit analysis

Decision making

Communication skills

Data analysis

Attention to detail

Interpersonal skills

Problem solving

Tools

Credit policy software

Job description

Description

At Citizens, we’re more than a bank. As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. As the Home Equity Senior Underwriter, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You are responsible for reviewing all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. You will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally!

Description

At Citizens, we’re more than a bank. As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. As the Home Equity Senior Underwriter, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You are responsible for reviewing all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. You will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally!

Primary Responsibilities Include

• Analyze and appropriately decision Home Equity Line of Credit applications in accordance with the Consumer Lending credit policy and regulatory guidelines (including the Fair Credit Reporting Act and Equal Credit Opportunity Act).
• Ensure material information captured in the application is accurate and updated as needed based on the documentation provided.
• Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
• Meet or exceed productivity levels and credit quality standards, as established.
• Analyze and interpret POI documents, including complicated personal and business tax returns/K1's, in order to determine verifiable income in an effort to verify a customer’s ability to repay the loan. Clearly document files with the methodology used to calculate the income.
• Analyze all applications for counteroffer opportunities when the original terms requested do not qualify.

Qualifications, Education, Certifications And/or Other Professional Credentials

• Three to five years related experience.
• Home Equity lending and processing experience preferred.
• Demonstrated knowledge of equity lending policies, procedures, and products, as well as knowledge of secondary market guidelines.
• Must be organized, detail-oriented and have excellent interpersonal, communication and computer skills.
• Experience with automated systems.
• Proficiency with the system is essential. Attendance in office during normal business hours (at minimum) may be required in order to effectively coordinate with multiple departments, projects and outside entities.
• Ability to work well with retail sales and loan officers.
• Demonstrated ability to analyze and evaluate complex income calculations.
• Desire to work in a fast-paced production environment.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday-Friday, 4 days a week in Mason, OH office

Pay Transparency

The salary range for this position is $34.13 - $42.31 per hour, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits. 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: 09/30/2026