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Citizens Bank Home Equity Underwriter II in Cincinnati, Ohio



Responsible for underwriting the basic product offerings for the business unit. For unsecured/home equity underwriting this includes the suite of unsecured products as well as the less complex home equity applications.

Ensure material information captured in the application is accurate at time of review

Proactively suggest program alternatives within their product capabilities for customers who do not qualify for terms initially submitted or escalate for further review by a more senior underwriter.

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 RBS, while responding timely to quality control and audit reviews when requested

Knowledge of all income sources, including the ability to interpret income tax returns

Basic knowledge of all legal, compliance and regulatory requirements for the product set

Provide exceptional customer service in all written and verbal communications to both internal and external customers



  • 2 years Mortgage or equity processing or junior underwriting experience in a lending institution

  • Experience using Automated Underwriting Systems

  • Self-directed with excellent time management skills

  • Demonstrated ability to analyze and evaluate complex income documentation

  • Exceptional written and verbal communication skills

  • Desire to work in a production environment

  • Advanced proficiency in Word and Excel

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday to Friday 8 am to 5 pm. Overtime as needed.

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

It is the policy of Citizens to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, colleague or a dependent’s reproductive health decision making, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, genetic characteristic, citizenship, veteran or military status, marital or domestic partner status, family status/parenthood, victim of domestic violence, 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.