Home Equity Senior Underwriter

Citizens; Johnston (RI); On-site; USD 65,000 - 90,000; Full time

Job summary

A leading banking institution in Johnston, RI seeks a Home Equity Underwriter II to handle complex HELOC applications. Candidates should have 3-5 years of home equity lending experience, strong analytical skills, and attention to detail. Responsibilities include assessing credit applications and verifying income documents to ensure compliance with lending policies. The role offers a supportive work culture, ongoing training, and a full-time employment opportunity with standard office hours.

Qualifications

• 3-5 years of related experience in home equity lending.
• Knowledge of equity lending policies and procedures.
• Ability to analyze complex income calculations.

Responsibilities

• Render quality credit decisions on HELOC applications.
• Analyze and interpret POI documents to verify income.
• Ensure accuracy of application information.

Skills

Attention to detail

Interpersonal skills

Communication skills

Problem-solving skills

Data analysis

Job description

Overview

As the Home Equity Underwriter II at Citizens, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You will review all required documentation to determine that the credit decision is valid and in line with underwriting policies, demonstrating sound judgment and communication skills to mitigate risk for Citizens.

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/K1s, to determine verifiable income and 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; attendance in office during normal business hours (at minimum) may be required to 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 in the office – Johnston, RI)

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, reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. 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: 12/16/2025

Job Details

• Seniority level: Not Applicable
• Employment type: Full-time
• Job function: Finance and Sales
• Industries: Banking