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Home Mortgage Retail Underwriter Senior Specialist (Work at Home)

Location US-Work at Home Req. Number206989 Category Product Support, Underwriters, Remote Opportunities Full/Part Time F Shift 1st Shift


As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

As a successful member of our Underwriting team, you will be responsible for underwriting complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans. In addition, you will underwrite pre-underwritten conventional first mortgages prepared by a Junior Underwriter, and will utilize your knowledge and experience to serve as an advisor for junior members of the department.

Some additional responsibilities include, ensuring material information captured in the automated underwriting system is accurate at time of review proactively suggesting program alternatives for customers who do not qualify for terms initially submitted demonstrating sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.

You will be asked to meet or exceed productivity levels established by Management and credit quality standards set forth by Citizens, while responding timely to quality control and audit reviews when requested.

The Senior Underwriter will also assist the Group Team Manager when necessary.


  • BA/BS degree preferred or equivalent experience in underwriting/mortgage banking preferred
  • Direct Endorsement Certification required
  • 5 or more years underwriting conventional and government loans required
  • Experience using Automated Underwriting Systems
  • Self-directed with excellent time management skills
  • Experienced as Delegated Underwriter with all approved MI companies
  • 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
  • VA LAPP approval preferred

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday-Friday 8:00AM-5:00PM

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

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.