Home Mortgage QA/QC Senior Underwriter

Citizens; East Providence (RI); Hybrid; USD 50,000 - 70,000; Full time

Job summary

Citizens is seeking a Home Mortgage QA/QC Senior Underwriter to join their Quality Control Department. In this role, you will ensure that Private Bank Mortgages adhere to guidelines and conduct thorough reviews of loans and legal documents. The position requires substantial underwriting experience and attention to detail in a hybrid work environment.

Qualifications

• 7+ years underwriting experience with in-depth knowledge of manual underwriting guidelines.
• Advanced knowledge of complex underwriting for high-net-worth borrowers.
• Detail-oriented with strong organizational skills.

Responsibilities

• Ensure compliance of Private Bank Mortgages with all applicable guidelines.
• Review and re-underwrite loans selected for monthly quality control.
• Conduct targeted assurance reviews and other credit control duties.

Skills

Underwriting

Communication

Problem-solving

Attention to detail

Tools

ACES

Empower

Encompass

Microsoft Office

Job description

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Description

As part of the Home Mortgage Quality Control Department, the primary function of this position is to ensure Private Bank Mortgages are in compliance with all applicable secondary market, private and government loan programs. Re-underwrite and review all underwriting decisions for the monthly QC selection of loans to ensure that all guidelines on mortgage products are being met by Home Mortgage production staff. Determine if all DU conditions were input correctly, and conditions were satisfied. Review each appraisal for soundness and determine if review appraisal is warranted. Review legal documents to ensure accuracy. Assist in the performance of periodic targeted assurance reviews and perform other credit and quality control duties as may be assigned.

Description

As part of the Home Mortgage Quality Control Department, the primary function of this position is to ensure Private Bank Mortgages are in compliance with all applicable secondary market, private and government loan programs. Re-underwrite and review all underwriting decisions for the monthly QC selection of loans to ensure that all guidelines on mortgage products are being met by Home Mortgage production staff. Determine if all DU conditions were input correctly, and conditions were satisfied. Review each appraisal for soundness and determine if review appraisal is warranted. Review legal documents to ensure accuracy. Assist in the performance of periodic targeted assurance reviews and perform other credit and quality control duties as may be assigned.

Qualifications

• 7+ years underwriting experience with in-depth knowledge of manual underwriting guidelines
• Advanced knowledge and experience of complex underwriting of high/ultra high net worth borrowers to include analysis of multiple businesses, large real estate portfolios and diverse asset portfolios
• Experience with ACES, Empower, Encompass is a plus
• Sound knowledge of consumer mortgage lending process and workflow through post-closing
• Sound knowledge of secondary & private investor loan programs
• Strong oral and written communication skills with solid organizational, interpersonal, analytical and problem-solving skills
• PC skills including proficiency in all Microsoft Office programs including MS Word, Excel, Powerpoint, Outlook and database applications
• Must be detailed oriented and maintain accuracy in a fast-paced environment
• Ability to manage change and take on new tasks as required
• Ability to work under minimum supervision
• Must be production oriented to meet department productivity goals and deadlines.
• Demonstrated ability to maintain a high-level degree of confidentiality
  
  

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: 8-5 - Role is Hybrid 3 days a week in office
  
  

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: 07/31/2025

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

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