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Description

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

+ 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.

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.

10/14/2025