Home Equity Underwriter — Drive Trusted Credit Decisions

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

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.