Residential Lending Specialist - Citizens Private Bank (FL/CA)

DescriptionThe Private Bank, Lending Specialist (Residential) supports the Relationship Manager with their client's loan portfolio with extraordinary care and service. The Lending Specialist works in primarily operational, processing, and analytical capacities, ensuring a high level of quality control from the loan application through the closing process. The PB Lending Specialist has a strong understanding of Citizens Private Bank's credit policy, underwriting guidelines, and loan origination systems.Primary responsibilities includeThe PB Lending Specialist has a strong understanding of Citizens Private Bank's credit policy, underwriting guidelines, and loan origination systems.After RM handoff, serves as main POC for RM/Client Relations team and third parties to lending transactions.Performs thorough analysis of client's financials to determine loan eligibility and qualification.Monitors active pipeline to ensure loan workflow is efficient and meeting closing deadlines.Maintains a high level of quality control for verifying accuracy of financial and loan documents.Manages end-to-end loan process with internal/external partners from the time the loan is live through closing. (e.g., 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 deadlines.Knowledgeable on Private Bank credit policy, lending origination systems, and regulatory requirements involved in residential lending.Maintains a high level of quality control for verifying accuracy of financial and loan documents.Specializing in Residential Lending and Underwriting, responsibilities includes Setting up the loan and borrower terms in Empower, Locking the rate and ordering an appraisal, ordering title with escrow or attorney partners, preparing the initial loan estimate, initiating condo/co-op reviews, completing Underwriting Reviews and generating conditions, reviewing any additional financials and uploading to the loan origination system, composing loan narrative and identifying underwriting guideline variances or policy exceptions, and providing an initial approval decision or loan recommendation for a Credit Risk officer's approval.Qualifications, Education, Certifications and/or Other Professional Credentials3+ years of residential lending underwriting and loan processesDemonstrated success working in high net worth, non-traditional loans and mortgage underwritingStrong written and verbal communication skills with high attention to detailProficient use of MS Excel is required- pivot tables, macros, formulas and application navigationHours & Work ScheduleHours per Week: 40 (this is an exempt position and meeting deadlines requires flexibility in time management and additional hours as needed)Work Schedule: M-F (required 4 days in office/1 day WFH)Hiring Locations Include: West Palm Beach, FL, San Francisco, CA and Los Angeles, CAPay TransparencyThe salary range for this position is $100,000.00 - $130,000.00 per year plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including 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 every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/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. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.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 OpportunityCitizens, 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 UsAt 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 growthBackground CheckAny 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.04/30/2026