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Citizens Bank Home Mortgage Retail Underwriter Specialist - Remote (Remote) in Des Moines, Iowa


Citizens is an organization committed to serving the customers, colleagues and communities where we do business. We're an established and successful financial services company with a 12-state branch presence and a nationwide mortgage business. We offer comprehensive and competitive benefits, encourage our colleagues to develop and grow their careers, and provide a fiscally sound and stable work environment.

We’re looking for an Underwriter who will be responsible for underwriting complete product offerings including automated and manual underwriting of mortgage loans. This is a loan decisioning position with significant financial and risk impact to the business.


  • Ensure material information captured in the automated underwriting system is accurate at time of review.

  • Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.

  • Demonstrate good 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 Citizens Bank, while responding timely to quality control and audit reviews when requested.

  • Assist the Group Team Manager and provide training, when required.

  • Have in depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.

  • Be a resource for operations and sales colleagues regarding specific product requirements for loans in process.

  • Extensive knowledge of underwriting guidelines

  • Attention to detail and organizational skills

  • Customer service skills

  • Excellent written and verbal communication skills


  • 2-3 years mortgage and equity industry experience

  • High School or Equivalent (GED) required, Certification, Licensure or other education training preferred


    We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

    Awards we've received

  • Forbes World's Best Banks (2020)

  • Forbes Best Employers for Diversity (2020)

  • Best Places to Work for LGBTQ Equality – 100% Corporate Equality Index (2020)

  • Military Friendly Employer (2020)

  • Dave Thomas Foundation – Best Adoption-friendly Workplace (2020)

  • Diversity, Inc. – Top 25 companies for diversity (2019)

    Hours and Work Schedule

    Hours per Week: 40

    Work Schedule: Monday-Friday

    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

Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived 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.

Equal Employment and Opportunity Employer/Disabled/Veteran

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.