Home Mortgage Secondary Marketing Operations Senior Specialist

Citizens Bank • Franklin, TN

3d • Hybrid

About The Position

The Home Mortgage Secondary Marketing Operations area is responsible for the credit, data, documentation, and compliance evaluations of mortgage loans offered for purchase or sale. Negotiates agreements and supplementary documents, prepares disclosure documents, manages purchaser and underwriter due diligence examinations, and more.

Requirements

• 2–3 years of underwriting experience, preferably in mortgage lending.
• Demonstrated ability to review submitted loan data and documentation for compliance with investor, lender, and review-scope requirements.
• Demonstrated ability to assess the sufficiency of borrower and loan documentation, identifying missing or inadequate items.
• Demonstrated ability to verify loan data and accurately document findings in proprietary due diligence systems.
• Demonstrated ability to analyze loan files for accuracy of calculations and supporting documentation.

Nice To Haves

• Strong experience analyzing credit and loan documentation, including mortgage applications, credit reports, income documentation, title documents, appraisals, and compliance-related materials.
• Strong experience analyzing personal and business financial statements and other financial information necessary to support loan decisions.
• Ability to interpret investor guidelines and regulatory requirements with attention to detail.
• Strong written and verbal communication skills.

Responsibilities

• Submit complete and accurate loan file packages to Third-Party Review (TPR) due diligence firms.
• Source missing documentation and clear material exceptions identified by TPR firms in accordance with company due diligence policies, secondary mortgage market and investor requirements, and applicable laws and regulations.
• Document and escalate any situations or deficiencies not fully addressed within the loan files, to the appropriate business partners.
• Communicate effectively with third-party vendors and internal stakeholders to facilitate timely resolution.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed