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Description

RESPONSIBILITIES: As part of the Home Mortgage Quality Control Department, the primary function of this position is to ensure HM Mortgage is in compliance with all applicable secondary market, private and government loan programs. Re-underwrite and review all underwriting decisions for the monthly QC selection of loans to ensure that all guidelines on mortgage products are being met by HM mortgage production staff. Determine if all DU conditions were input correctly, and conditions were satisfied. Review each appraisal for soundness and determine if review appraisal is warranted. Review legal documents to ensure accuracy. Assist in the performance of periodic targeted assurance reviews and perform other credit and quality control duties as may be assigned.

QUALIFICATIONS (Retail/Correspondent):

+ 5-7 years underwriting experience with in-depth knowledge of FANNIE MAE & FREDDIE MAC guidelines.

+ Knowledge of FHA, VA and state agency guidelines required

+ Sound knowledge of the consumer mortgage lending process and workflow

+ Sound knowledge of secondary, private investor and government mortgage loan programs

+ PC skills including proficiency in MS Word, Excel, and database applications

+ Experience with ACES, Empower an/or Encompass, a plus

+ Excellent oral and written communication skills with solid organizational, interpersonal, analytical, and critical thinking skills

+ Demonstrated ability to work independently and manage time effectively in a fast-paced environment.

+ Self-motivated with a strong ability to work autonomously while maintaining high productivity and quality standards.

+ Proven track record of delivering results while working independently with minimal supervision.

Hours & Work Schedule

+ Hours per Week: 40

+ Work Schedule: 8am -5pm

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

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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

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

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

10/30/2025