Home Mortgage Retail Condo/Coop Underwriter Specialist

As the Home Mortgage Retail Project Underwriter Specialist, you will be responsible for providing a lean decision based on an individual’s credit history, financial position and strength of collateral. Solid understanding of multiple product lines – may include government products and conventional.

Primary responsibilities include

• Underwriting and decisioning condo projects to Fannie, Freddie, FHA/VA, or Citizens Portfolio guidelines. Cooperative underwriting and decisioning is strongly preferred.
• Preparing underwriting summaries for other stakeholders (loan officers, credit underwriters, portfolio administrators, etc.)
• Fully documenting project reviews within the mortgage loan origination system, department’s database, and organizing all collateral documents within the team shared drive
• Demonstrating sound judgement in the analysis of project documents (questionnaires/addendums, financial statements, insurance, legal documents, reserve studies, etc.)
• Identifying solutions or alternative paths for project approval wherever possible (i.e., warrantable to non-warrantable)
• Reviewing/Decisioning deed restrictions and community second programs for all property types

Qualifications, Education, Certifications and/or Other Professional Credentials

• 5 or more years of condo project review experience required with coop project review experience preferred.
• Experience in mortgage bank project underwriting strongly preferred
• BA/BS degree preferred or equivalent preferred 
• Self-directed with excellent time management skills 
• Exceptional written and verbal skills
• Strong ability to problem solve and collaborate with others to find solutions

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday-Friday
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The salary range for this position is $80,000 - $110,000/year. 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.