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Analyst, Consumer Lending Underwriter
CIT
Pasadena, CA, United States
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Overview
Founded in 1908, CIT (NYSE: CIT) is a financial holding company with approximately $50 billion in assets as of Dec. 31, 2017. Its principal bank subsidiary, CIT Bank, N.A., (Member FDIC, Equal Housing Lender) has approximately $30 billion of deposits and more than $40 billion of assets. CIT provides financing, leasing, and advisory services principally to middle-market companies and small businesses across a wide variety of industries. It also offers products and services to consumers through its Internet bank franchise and a network of retail branches in Southern California, operating as OneWest Bank, a division of CIT Bank, N.A. For more information, visit cit.com.
Responsibilities
• Responsible for providing quality and consistent underwriting of mortgage loans, focusing on highly complex loans, to ensure compliance with appropriate company standards.
• Assess the borrower(s) ability to repay, including validation of the borrower(s) employment, income, credit, assets and collateral as well as clearing any applicable underwriting conditions.
• Maintain up to date knowledge of all agency and investor underwriting guidelines and credit overlays.
• Provide high quality customer service, including underwriting to the companies service level expectations.
Qualifications
• 5+ years recent underwriting experience
• Exposure to underwriting at a national level and in multiple markets
• Strong communication skills and ability to interact with front line business unit
• Proficiency with Desktop Underwriting
• Experience with conventional and jumbo underwriting
• VA certification and experience preferred but not required
• DE certification a plus