Home Mortgage Pricing Oversight Manager

Citizens; Johnston (RI); Hybrid; USD 73,000 - 90,000; Full time

Benefits offered by this job

Comprehensive medical, dental and vision coverage

Retirement benefits

Paid time off exceeding mandatory policies

Job summary

A leading financial institution in Rhode Island is seeking a dedicated individual to oversee the Mortgage Pricing Oversight team. This role includes managing a team that ensures competitive loan pricing and adherence to policies. The ideal candidate will communicate effectively and drive continuous improvement within the team. The position offers a salary range of $73,000 - $90,000 and benefits such as retirement and flexible work arrangements.

Qualifications

• Ability to manage a team effectively and communicate well within various departments.
• Detail-oriented with strong analytical skills to monitor program performance.
• Experience in the mortgage industry is preferred.

Responsibilities

• Lead the Mortgage Pricing Oversight team to ensure correct loan pricing.
• Manage Pricing Exception and Relationship Pricing requests.
• Drive continuous improvement to enhance team efficiency.

Skills

Excellent verbal/written communication

Proficiency with MS Office products (particularly Excel)

Self-starter with ability to work independently

Proven ability to build relationships and work across many teams

Education

High School Degree or relevant experience

Tools

MS Office

Job description

Description

We are seeking a dedicated individual to lead the Mortgage Pricing Oversight team, contributing their talents to supporting Mortgage Loan Officers and Private Bank Relationship Managers in making customers’ dream of home ownership possible. In this role, you will manage a team of Business Support Consultants who engage daily with sales, operations, capital markets and senior leaders during the mortgage originations process to ensure loans are priced correctly and competitively. This team often is responsible for very time sensitive work so we expect adherence to pre-defined SLAs, while maintaining strong quality. You should be able to lead a team with confidence, communicate well with others, have a strong attention to detail, and be comfortable raising objections. Not only will you manage the team and day-to-day execution, but we ask that you also bring a fresh perspective and have a mindset of continuous improvement to make our business even better.

Primary Responsibilities

• Owning all pricing discount programs:
  • Define program parameters.
  • Provide guidance to team members, sales, operations, and capital markets.
  • Manage all related policies and procedures.
  • Review and decide any policy exceptions in a fair and consistent manner.
  • Work with the Mortgage Analytics team to monitor program performance and recommend changes as needed.
• Managing a team that processes (including personally executing these tasks as needed):
  • Pricing Exception requests from customers/sales (matching a rate from a competitor). This work includes reviewing rate/point calculations, assessing eligibility, facilitating approval, and updating loan pricing.
  • Process Relationship Pricing requests from customers/sales (rate discount for bringing $X in deposits/investments). This work includes reviewing account and asset details, assessing eligibility, confirming discount levels, and updating loan pricing. Multiple programs at Citizens require recognizing program applicability based on a customer’s situation.
  • Process Post-Closing Loan Modification requests from customer/sales. This work includes validating customer eligibility and then working with sales and servicing to modify their mortgage loan.
  • Monitor colleague adherence to policies and raise concerns to leadership. The mortgage industry is incredibly regulated so we must ensure consistent and fair treatment for customers.
  • Work collaboratively with other members of the Pricing Oversight team to manage incoming requests and loan balance work among each other.
  • Accurately track/log all request details (requests, loan details, approval decisions, exceptions, etc.).
  • Partner with others on the team to manage multiple mailboxes in Outlook and ensure no requests fall through the cracks.
• Build new processes for other discount programs as the team takes on additional responsibilities (ACH, Coupon Programs, Corporate Affinity, etc.).
• Drive a mindset of continuous improvement to make the team and our processes more efficient over time.
• Lead the implementation of these programs into the new Mortgage Product and Pricing Engine coming in 2026.
• Be an advocate for colleague development; hiring top talent and helping your team grow as professionals.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • Excellent verbal/written communication
  • Proficiency with MS Office products (particularly Excel)
  • Self‑starter with ability to work independently
  • Proven ability to build relationships and work across many teams
  • High School Degree or relevant experience
• Preferred Qualifications
  • Experience in Mortgage (particularly pricing)
  • Experience with Empower

Hours & Work Schedule

• Hours per Week: 40 hours
• Work Schedule: M – F (4 days in the office, 1 day remote)

Pay Transparency

The salary range for this position is $73,000 - $90,000 per year. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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.

Posting End Date: 03/07/2026