The Home Mortgage Secondary Marketing Operations area is responsible for the credit, data, documentation, and compliance evaluations of mortgage loans offered for purchase or sale. Negotiates agreements and supplementary documents, prepares disclosure documents, manages purchaser and underwriter due diligence examinations, and more.

• Submit complete and accurate loan file packages to Third-Party Review (TPR) due diligence firms.

• Source missing documentation and clear material exceptions identified by TPR firms in accordance with company due diligence policies, secondary mortgage market and investor requirements, and applicable laws and regulations.

• Document and escalate any situations or deficiencies not fully addressed within the loan files, to the appropriate business partners.

• Communicate effectively with third-party vendors and internal stakeholders to facilitate timely resolution.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
• 2–3 years of underwriting experience, preferably in mortgage lending.
• Demonstrated ability to:
  • Review submitted loan data and documentation for compliance with investor, lender, and review-scope requirements.
  • Assess the sufficiency of borrower and loan documentation, identifying missing or inadequate items.
  • Verify loan data and accurately document findings in proprietary due diligence systems.
  • Analyze loan files for accuracy of calculations and supporting documentation. text here
• Preferred Qualifications
• Strong experience analyzing credit and loan documentation, including:
  • Mortgage applications, credit reports, income documentation, title documents, appraisals, and compliance-related materials.
  • Personal and business financial statements and other financial information necessary to support loan decisions.
• Ability to interpret investor guidelines and regulatory requirements with attention to detail.

• Strong written and verbal communication skills.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: 9-5 or 8-4 (4 days in office - Franklin, TN, Glen Allen, VA or Irving, TX)

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.

Equal Employment and Opportunity Employer

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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.