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Citizens Bank Home Mortgage Underwriting Senior Underwriter/Construction Project Reviewer (Remote) in Phoenix, Arizona

Description

Review construction related documentation to ensure compatibility with construction to permanent program guidelines.

• Recommends correct draw schedule used based on project cost and scope. • Reviews appraisal to ensure consistent with construction contract, plans, and specifications • Calculates construction hold back and recommends disbursements for settlement to ensure proper funding • Issues final Construction project review approval to finalize and confirm construction cost, scope of work, collateral review and holdback. • Analyzes builder review documentations to ensure critical builder information and issues Project Approval as well as escalated builder reviews as needed to senior management • Required experience/training in an accounting, bookkeeping or other positions balancing cash disbursements in a financial services industry position • Required experience with origination of residential construction loans • Preferred extensive experience reviewing appraisals and reading construction contracts, plans and specs • Ensue material information captured in the automated underwriting system is accurate at the 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 productive levels established by Management and credit quality standards set forth by Citizens Bank, 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 product set • Is a resource for operations and sales colleagues regarding specific product requirements for loans in process • Provide exceptional customer service in all written and verbal communications to both internal and external customers

Education: High School Diploma required Associates Degree Preferred Hours & Work Schedule Hours per week: 40 hours Work Schedule: Monday-Friday 8-5

Qualifications

• Required experience/training in an accounting, bookkeeping or other positions balancing cash disbursements in a financial services industry position • Required experience with origination of residential construction loans • Preferred extensive experience reviewing appraisals and reading construction contracts, plans and specs • Ensue material information captured in the automated underwriting system is accurate at the 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 productive levels established by Management and credit quality standards set forth by Citizens Bank, 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 product set • Is a resource for operations and sales colleagues regarding specific product requirements for loans in process • Provide exceptional customer service in all written and verbal communications to both internal and external customers

Education: High School Diploma required Associates Degree Preferred

Hours & Work Schedule Hours per week: 40 hours Work Schedule: Monday-Friday 8-5

This position is not available in Colorado.

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.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived 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.

Equal Employment and Opportunity Employer/Disabled/Veteran

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

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