at Citizens Bank in Dover, Delaware, United States
DescriptionResponsible for underwriting the basic product offerings for the business unit. For unsecured/home equity underwriting this includes the suite of unsecured products as well as the less complex home equity applications. Ensure material information captured in the application is accurate at time of review Proactively suggest program alternatives within their product capabilities for customers who do not qualify for terms initially submitted or escalate for further review by a more senior underwriter. Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making Meet or exceed productivity levels established by Management and credit quality standards set forth by Citizens Bank, while responding timely to quality control and audit reviews when requested Knowledge of all income sources, including the ability to interpret income tax returns Basic knowledge of all legal, compliance and regulatory requirements for the product set Provide exceptional customer service in all written and verbal communications to both internal and external customers QUALIFICATIONS
+ 2 years Mortgage or equity processing or junior underwriting experience in a lending institution
+ Experience using Automated Underwriting Systems
+ Self-directed with excellent time management skills
+ Demonstrated ability to analyze and evaluate complex income documentation
+ Exceptional written and verbal communication skills
+ Desire to work in a production environment
+ Advanced proficiency in Word and ExcelHours & Work Schedule Hours per Week: 40 Work Schedule: Monday to Friday 8 am to 5 pm. Overtime as needed. This position is not available in Colorado
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.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived 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.
Equal Employment and Opportunity Employer/Disabled/Veteran
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