What are the responsibilities and job description for the Home Mortgage Secondary Marketing Operations Senior Specialist position at Citizens?
Description
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.
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.
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
Posting End Date: 06/19/2026
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.
- 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 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.
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
Posting End Date: 06/19/2026