Mortgage Loss Mitigation Decisioning Underwriter

Citizens Bank; Irving (TX); On-site; USD 34,000 - 42,000; Full time

Job summary

Citizens Bank is seeking an HM Loss Mitigation Decisioning professional in Irving, TX. You will manage loan work-out decisions by reviewing files from Front End Fulfillment and ensuring documentation meets standards in the loan system.

Key duties include adhering to timelines, applying mortgage guidelines, and analyzing financial data to shape effective loss-mitigation strategies while verifying data accuracy and regulatory compliance.

Qualifications

• Strong understanding of mortgage lending guidelines (FHA, VA, Fannie Mae, Freddie Mac).
• Proficiency with automated underwriting systems Back in the Black (BITB).
• Ability to interpret credit reports, income docs, and appraisal reports.
• Detail-oriented with strong analytical and decision-making skills.

Responsibilities

• Complete steps within the decisioning process workflow within assigned timelines.
• Ensure regulatory requirements are met for each account in the Work out process.
• Analyze financial information to determine the most effective work out strategy.
• Review financial data for accuracy and consistency with reported figures.

Skills

Mortgage lending guidelines

Underwriting systems BITB

Interpret credit & income documents

Analytical and decision-making skills

Education

Bachelor’s degree or 2 years of experience

Tools

Back in the Black (BITB)

Job description

Citizens Bank is seeking an HM Loss Mitigation Decisioning professional in Irving, TX. You will manage loan work-out decisions by reviewing files from Front End Fulfillment and ensuring documentation meets standards in the loan system.

Key duties include adhering to timelines, applying mortgage guidelines, and analyzing financial data to shape effective loss-mitigation strategies while verifying data accuracy and regulatory compliance.