Private Bank - Lending Specialist
RBS Citizens - New York City, NY
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DescriptionCitizens Private Bank is looking for an exceptional Loan Specialist to support the underwriting needs of the Private Bank mortgage loan products. You would be responsible for ensuring that all single family residential loans are set up and underwritten in a timely manner while meeting all regulatory compliance and achieving a high level of customer service. Responsibilities focus on successfully analyzing tax returns and financials ranging from complex to simple for various types of borrowers. Individual must have a thorough understanding ofSFR, 2-4 unit, and condo loan processing, documentation and underwriting across different states.Primary responsibilities includeWorks closely with RM and client to identify lending needs and solutionsPerforms analysis of client's financials to determine loan eligibilityAfter RM handoff, serves as main POC for client and all internal/external parties to lending transactions while keeping RM in the loopManages end-to-end loan process with clients, internal/external partners from inquiry through post-closing (e.g., provides PA letters/pricing, presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).Monitors pipeline to ensure loan workflow is efficient and meeting closing troduces clients to Preferred Bankers to establish deposit accounts during loan process.Qualifications, Education, Certifications and/or Other Professional CredentialsA high school diploma required (college degree preferred).5 - 7 years of experience in residential processing & underwriting is requiredAdvance computer skills are required.Additional work experience with an emphasis on customer service preferred.Must be able to review and analyze data reports and manuals; must be computer proficient.Must be able to communicate effectively via telephone and in person. Own your work and your careerHours & Work ScheduleHours per Week: 40Work Schedule: Monday - FridayPay TransparencyThe salary range for this position is $99 -$125k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factorsincluding but not limited to the work location, and relevant skills and experience.We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit 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 OpportunityAt Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.Equal Employment and Opportunity EmployerCitizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. Benefits We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. View Benefits Awards We've Received FORTUNE's World's Most Admired Companies Human Rights Campaign Corporate Equality Index 100 Award Military Friendly® Employer Age-Friendly Institute's Certified Age-Friendly Employer Bloomberg Gender Equality Index, Standout Dave Thomas Foundation's Best Adoption-Friendly Workplace DiversityIncTop Regional Company for Diversity Forbes America's Best Large Employers National Organization on Disability's Leading Disability Employer Equal Employment Opportunity At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. Citizens is committed to ensuring that all interested candidates can successfully participate in our recruitment process. If you are an individual with a disability or require a reasonable accommodation, please see our Job Seeker Help policy. -
Created: 2024-04-20