Home Equity Underwriter

Citizens; Mason (OH); On-site; USD 60,000 - 90,000; Full time

Job summary

Citizens is seeking a HELOC Underwriter based in Mason, OH. You will render quality credit decisions on HELOC applications and review documentation to ensure decisions align with underwriting policies.

The role requires 3–5 years of HELOC experience, strong analysis of income documents, and collaboration with retail sales and loan officers in a fast-paced environment. Office presence is expected during normal business hours in Mason.

Qualifications

• Three to five years related experience.
• Home Equity lending and processing experience preferred.
• Demonstrated knowledge of equity lending policies, procedures, and products.
• Must be organized, detail-oriented and have excellent interpersonal, communication and computer skills.
• Experience with automated systems.

Responsibilities

• Analyze and appropriately decision Home Equity Line of Credit applications in accordance with the Consumer Lending credit policy and regulatory guidelines.
• Ensure material information captured in the application is accurate and updated as needed based on the documentation provided.
• Meet or exceed productivity levels and credit quality standards as established.
• Analyze and interpret POI documents to determine verifiable income and document the methodology used to calculate income.
• Analyze all applications for counteroffer opportunities when the original terms do not qualify.
• Respond timely to questions and emails to provide excellent customer service.

Skills

Credit analysis

HELOC underwriting

Income calculations

Office coordination

Tools

Automated 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!

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.

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