HLS Underwriter III


Company:: Citizens Financial Group, Inc.
Location:: Melville, NY
Job Type:: Full Time
Category:: Sales & Trading, Mortgage & Real Estate, Investment Banking


Posted:: 2/6/2013

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Job Description

Responsibilities

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

Provide exceptional

Qualifications

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

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