Home Mortgage Retail Project Underwriter Specialist

Citizens Bank • Harrisburg, PA

113d

About The Position

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.

Requirements

• 5 or more years of condo project review experience required.
• Experience in mortgage bank Project underwriting strongly preferred.
• BA/BS degree preferred or equivalent experience.
• Self-directed with excellent time management skills.
• Exceptional written and verbal communication skills.
• Strong problem-solving abilities and collaboration skills.

Nice To Haves

• Coop project review experience preferred.

Responsibilities

• Underwriting and decisioning condo projects to Fannie, Freddie, FHA/VA, or Citizens Portfolio guidelines.
• Preparing underwriting summaries for stakeholders including loan officers and credit underwriters.
• Documenting project reviews within the mortgage loan origination system and department's database.
• Organizing all collateral documents within the team shared drive.
• Analyzing project documents such as questionnaires, financial statements, and legal documents.
• Identifying solutions for project approval, including warrantable to non-warrantable transitions.
• Reviewing and decisioning deed restrictions and community second programs for all property types.

What This Job Offers

• Job Type: Full-time
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree