Home Equity Underwriter (HELOC) – Growth & Impact

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

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.