Responsible for underwriting complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans. This is a loan decisioning position with significant financial and risk impact to the business.
Underwrite pre underwritten conventional first mortgages prepared by a Junior Underwriter
Underwrite complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans
Utilize your knowledge and experience to serve as an advisor for junior members of the department
Ensure material information captured in the automated underwriting system is accurate at time of review
Proactively suggest program alternatives for customers who do not qualify for terms initially submitted
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 RBS, while responding timely to quality control and audit reviews when requested
Assist the Group Team Manager when necessary and provide training when required.
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process
High School or Equivalent (GED) required, Certification, Licensure or other education / training preferred
Mortgage and equity industry experience
Extensive knowledge of underwriting guidelines
Extensive knowledge of Government products and guidelines
Detail and organizational skills
Customer service skills
Excellent written and verbal communication skills
Direct Endorsement Certification Required
Equal Employment Opportunity
It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state and/or local laws.
Hours and Work Schedule
Hours per Week: 40
Work Schedule: Monday-Friday 8:00AM-5:00PM