Senior Review Appraiser

Citizens; Johnston (RI); On-site; USD 54,000 - 61,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Maternity/Paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens is seeking a collateral review specialist responsible for evaluating property valuations to protect loan collateral value. The role requires three years of mortgage underwriting experience and a Certified Appraiser license, with strong communication skills and proficiency in MS Office.

You will obtain and review collateral documents, ensure compliance with regulations, and collaborate with internal teams and vendors to maintain quality across the loan pipeline.

Qualifications

• Licensed / Certified Appraiser.
• Three years or more mortgage or consumer loan underwriting experience - appraisal review strongly preferred.
• Excellent communication skills, both written and verbal, with internal and external clients.
• Proficiency in basic computer applications including Microsoft Office.

Responsibilities

• Review collateral to ensure compliance with Federal/State law and Citizens risk policy.
• Develop and maintain understanding of Mortgage Lending products, policies, and collateral requirements.
• Obtain collateral documentation from internal/external sources per program requirements.
• Perform detailed reviews of collateral documentation to meet portfolio and investor guidelines.
• Identify and determine next steps for collateral issues escalated.
• Communicate with other departments and sales to ensure pipeline metrics and quality guidelines are met.
• Adhere to all compliance regulations and controls.
• Develop positive working relationships with colleagues, clients, partners and vendors.
• Mentor peers on collateral best practices.

Skills

Communication skills

Office software proficiency

Education

Bachelor's degree or equivalent

Tools

Microsoft Office

Appraisal tools

Job description

Description

Responsible for reviewing property valuations to ensure compliance Federal/State law and Citizen’s risk policy to ensure that loans secured with real estate are protected with adequate collateral value.

Essential Duties And Responsibilities

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

• Successfully use critical thinking and analytical skills to review collateral.
• Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their collateral requirements.
• Obtain required collateral documentation per program requirements from internal clients, external clients, vendors, and third-party sources.
• Perform detailed review of all collateral documentation to ensure that loans meet portfolio and investor guidelines.
• Identify and determine next steps for collateral issues that have been escalated.
• Consistently communicate with other departments and sales to ensure pipeline metrics and quality guidelines are met.
• Adhere to all compliance regulations and controls.
• Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors.
• Cultivate relationships with peers as a peer mentor.

Qualifications

Required Qualifications:

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Licensed / Certified Appraiser
• Three years or more of mortgage or consumer loan underwriting experience - appraisal review experience strongly preferred
• Excellent Communication skills, both written and verbal, in relating to internal and external clients
• Demonstrates proficiency in basic computer applications such as Microsoft Office software products

Preferred Qualifications

• FHA DE (CHUMS) / VA SAR/LAPP
• Appraisal review or field experience with residential appraising
• Experience with using appraisal and market evaluation tools
• Demonstrates proficiency in mortgage automated processing systems
• Basic knowledge of bank services and products
• Bachelor's degree, or equivalent education and related training

Hours & Work Schedule

• Hours per Week: 40 hours
• Work Schedule: Mon - Friday 8am - 5pm

Pay Transparency

The salary range for this position is $39.23 - $44.37 per hour. Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experiences.

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: 10/07/2026