HLS Processor III
Citizens Bank - Warwick, RI

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The incumbent completes a variety of regulatory and clerical tasks to support Processing, Closing and Underwriting functions including but not limited to preparing and completing disclosure packages, completing appraisal requests, flood reviews, forwarding and monitoring receipt of title reviews, complete verification of employment, obtain homeowner’s insurance, index documentation, data enter loan information (if applicable), faxing and following-up on documentation if needed. Adherence to regulatory and bank guidelines and department standards is required.

Description of Function:
Review submitted documentation to ensure compliance with bank requirements. Access websites as needed. Follow up on documentation issues with customers. Complete review within department standards. Able to process all mortgage or home equity products efficiently.

Enter clear and concise comments, edit information, and document application.

Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, and/or explanation of required documentation.

Knowledge of secondary market/lending programs and guidelines with the ability to applybank, state and federal regulations to ensure compliance (Fair Lending, Reg B., etc).

Exceed department productivity and quality standards within department turn-time standards and ability to assist Management Team with special projects; serves as a subject matter expert requiring little supervision.

Direct regulatory and customer impact on disclosures and/or adverse action letters. Customer impact on trust review turn-times, flood review and appraisal copy requests. Timely scheduled closing and interact with internal and external clients.

Regulatory and compliance impacts (and possible fines) if correspondence letters are not mailed within established timeframes. Customer service impact if loans are not processed timely. Customer service impacts on closing dates which are not met having a direct impact on closing goals.


High School or Equivalent (GED) required

Associate Degree/ Bachelor Degree preferred

Skills/ Competencies:
Time management and ability to meet deadlines critical to this position. Attention to detail and organizational skills required. Ability to work in a fast pace environment with the ability to multitask

Work Experience:
Proficient in PC skills 2-3 years of experience

2-3 years of w ork experience in either an office or retail environment

2-3 years of k nowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites

Experience in oral and written communication with internal and external customers 2-3 years

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state and/or local laws.

Hours and Work Schedule

Hours per Week: 40

Work Schedule: Monday-Friday 8:00AM-5:00PM
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About this company
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Paper, plastic, or coin? No matter -- RBS Citizens Financial Group can handle it all. The company, formerly known as Citizens Financial...