Description As the Home Mortgage Retail Underwriter Senior 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 + Complete thorough Review analysis of Loan files to determine compliance with various company and external guidelines. + Review and clear conditions. + Respond to post closing and audit reviews in a timely manner. + Complete all data entry into loan tracking systems. + Communicate to sales and processing through calls and emails related to Loan products, underwriting guidelines, loan scenarios and file statuses Qualifications, Education, Certifications and/or Other Professional Credentials + 5+ years of solid experience including Portfolio Underwriting /Jumbo Underwriting + Ability to Analyze a complex income and asset profile + Experience using Automated Underwriting Systems + Self-directed with excellent time management skills + Experienced as Delegated Underwriter with all approved MI companies + Ability to analyze and evaluate sophisticated income documentation + Outstanding written and verbal communication skills + Desire to work in a production environment + Proficiency in Word and Excel + BA/BS degree preferred or equivalent experience in underwriting/mortgage banking preferred + Direct Endorsement Certification preferred + VA LAPP approval preferred Hours & Work Schedule + Hours per Week: 40 + Work Schedule: Monday-Friday - 4 days per week in office 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. 09/20/2025