Senior Home Equity Underwriter - Strategic Credit Decisions

Citizens Bank; Cincinnati (OH); On-site; USD 47,000 - 58,000; Full time

Job summary

Citizens Bank in Mason, OH is seeking a Home Equity Senior Underwriter to render quality credit decisions on complex HELOC applications using policy knowledge and data analysis. You will review all required documentation to validate the credit decision and mitigate risk while communicating decisions clearly.

The role demands strong judgment, attention to detail and collaboration with multiple departments to maintain policy adherence and customer focus.

Qualifications

• 3–5 years related experience.
• HELOC lending experience preferred.
• Knowledge of equity lending policies and secondary market guidelines.
• Organized, detail-oriented with excellent interpersonal and computer skills.
• Proficiency with required systems and in-office coordination.

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.
• Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
• Meet or exceed productivity levels and credit quality standards, as established.
• Analyze and interpret POI documents, including complicated personal and business tax returns/K1's, to determine verifiable income and ability to repay the loan.
• Analyze all applications for counteroffer opportunities when the original terms do not qualify.

Skills

Underwriting

Data analysis

Regulatory compliance

Communication skills

Attention to detail

Decision making

Problem solving

Team collaboration

Tools

Automated underwriting systems

Income verification tools

Job description

Citizens Bank in Mason, OH is seeking a Home Equity Senior Underwriter to render quality credit decisions on complex HELOC applications using policy knowledge and data analysis. You will review all required documentation to validate the credit decision and mitigate risk while communicating decisions clearly.

The role demands strong judgment, attention to detail and collaboration with multiple departments to maintain policy adherence and customer focus.