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Description

As a successful member of our team, it will be critical to underwrite private student loans, education refinance loans (student loan consolidation loans) and unsecured loans including automated and manual portfolio, with strict attention to Reg B, ECOA, and FCRA.

+ Ensure material information captured in the automated underwriting system is accurate at time of review.

+ 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 Citizens Bank.

+ Respond timely to quality control and audit reviews when requested. Provide superior customer service to both internal and external customers.

+ Ensure Quality Assurance process is in place and adhered to prior to loan disbursement.

+ Assist the Group Team Manager where necessary

+ Fraud detection during documentation review

Qualifications:

+ Minimum of 5 or more years underwriting required, student loan and/or mortgage lending experience preferred

+ Automated Underwriting System experience required

+ Self-directed with excellent time management skills

+ Demonstrated ability to analyze and evaluate complex income documentation, including complex tax returns, trust, investment, retirement, etc.

+ Must have strong judgement review abilities and autonomous decision-making skills

+ Ability to work in a face paced environment

+ Exceptional written and verbal communication skills

+ Advanced proficiency in Word and Excel

Education

+ Bachelor's Degree preferred or equivalent coursework and/or training in underwriting

Hours and Work Schedule

+ Hours per week: 40

+ Work Schedule: 8:00am -5:00pm, Monday – Friday

+ In office: Johnston RI 4 days, 1 day remote

+ Some overtime expected

+ Limited PTO during summer months (June, July and August)

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.

12/19/2025