Home Equity Underwriter

Citizens Bank; Mason (OH); On-site; USD 60,000 - 86,000; Full time

Job summary

Citizens Bank in Mason, Ohio, is seeking a Home Equity Underwriter to render quality credit decisions on HELOC applications and review required documentation for underwriting policy compliance.

The role requires analyzing income from POI materials, including tax returns, and ensuring accurate verifications to support repayment capability. Collaboration with retail staff and loan officers is essential for timely, accurate outcomes.

Qualifications

• Three to five years related experience.
• Home Equity lending and processing experience preferred.
• Knowledge of equity lending policies and secondary market guidelines.
• Organized, detail-oriented with excellent communication and computer skills.
• Experience with automated systems and loan processing platforms.
• Office presence during normal business hours to coordinate with departments.

Responsibilities

• Analyze and decision HELOC applications per policy and guidelines.
• Verify information in the application and documentation to support credit decisions.
• Meet productivity and credit quality standards as established.
• Analyze POI documents, including tax returns, to verify income and repayment ability.
• Identify counteroffer opportunities when terms do not qualify.
• Respond promptly to questions and emails to provide good customer service.

Skills

Analytical skills

Interpersonal skills

Communication skills

Computer skills

Attention to detail

Tools

Automated systems

Loan processing systems

Job description

Description

As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself! While in this role, you are responsible for rendering quality credit decisions on new HELOC applications. Additionally, you will review all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. Most importantly, here you’ll experience new things, create new opportunities, think beyond your role and make an impact!

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 personal tax returns, 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.
• Respond timely to questions and emails to provide superior customer service to both internal and external customers.

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 the office in Mason, OH

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.