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Form of work
SalaryDescription
Citizens Private Bank is looking for an exceptional Loan Specialist to support the underwriting needs of the Private Bank mortgage loan products. You would be responsible for ensuring that all single family residential loans are set up and underwritten in a timely manner while meeting all regulatory compliance and achieving a high level of customer service. Responsibilities focus on successfully analyzing tax returns and financials ranging from complex to simple for various types of borrowers. Individual must have a thorough understanding of SFR, 2-4 unit, and condo loan processing, documentation and underwriting across different states.
Primary responsibilities include
- Works closely with RM and client to identify lending needs and solutions
- Performs analysis of client’s financials to determine loan eligibility
- After RM handoff, serves as main POC for client and all internal/external parties to lending transactions while keeping RM in the loop
- Manages end-to-end loan process with clients, internal/external partners from inquiry through post-closing (e.g., provides PA letters/pricing, presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).
- Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines.
- Introduces clients to Preferred Bankers to establish deposit accounts during loan process.
Qualifications, Education, Certifications and/or Other Professional Credentials
- A high school diploma required (college degree preferred).
- 5 – 7 years of experience in residential processing & underwriting is required
- Advance computer skills are required.
- Additional work experience with an emphasis on customer service preferred.
- Must be able to review and analyze data reports and manuals; must be computer proficient.
- Must be able to communicate effectively via telephone and in person. Own your work and your career
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: Monday - Friday
Pay Transparency
The salary range for this position is $99 -$125k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.
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 very 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
At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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
Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.
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
