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Citizens · 3 months ago

Home Mortgage Pricing Oversight Manager

United States

Full-time

Remote

Mid, Senior Level

Citizens is seeking a dedicated individual to lead the Mortgage Pricing Oversight team, contributing their talents to support Mortgage Loan Officers and Private Bank Relationship Managers. In this role, you will manage a team of Business Support Consultants to ensure loans are priced correctly and competitively while fostering a mindset of continuous improvement.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

Owning all pricing discount programs:

Define program parameters

Provide guidance to team members, sales, operations, and capital markets

Manage all related policies and procedures

Review and decision any policy exceptions in a fair and consistent manner

Work with the Mortgage Analytics team to monitor program performance and recommend changes as needed

Managing a team that processes (including personally executing these tasks as needed)

Pricing Exception requests from customers/sales (i.e., customer requests that we match a rate from a competitor). This work includes reviewing rate/point calculations, assessing eligibility, facilitating approval, and updating loan pricing

Process Relationship Pricing request from customers/sales (i.e., customer requests a rate discount for bringing $X in deposits/investments). This work includes reviewing account and asset details, assessing eligibility, confirming discount levels, and updating loan pricing. We have multiple programs at Citizens so this role must be able to recognize program applicability based on a customer’s situation

Process Post-Closing Loan Modification requests from customer/sales. This work includes validating customer eligibly and then working with sales and servicing to modify their mortgage loan

Monitor colleague adherence to policies and raise concerns to leadership. The mortgage industry is incredibly regulated so we must ensure consistent and fair treatment for customers

Work collaboratively with other members of the Pricing Oversight team to manage incoming requests and loan balance work amongst each other

Accurately track/log all request details (requests, loan details, approval decisions, exceptions, etc.)

Partner with others on the team to manage multiple mailboxes in Outlook and ensure no requests fall through the cracks

Build new processes for other discount programs as the team takes on additional responsibilities (ACH, Coupon Programs, Corporate Affinity, etc.)

Drive a mindset of continuous improvement to make the team and our processes more efficient overtime

Lead the implementation of these programs into the new Mortgage Product and Pricing Engine coming in 2026

Be an advocate for colleague development; hiring top talent and helping your team grow as professionals

Qualification

Mortgage pricing experienceMS Office proficiencyEmpower experienceCommunicationRelationship buildingSelf-starter

Required

Excellent verbal/written communication

Proficiency with MS Office products (particularly Excel)

Self-starter with ability to work independently

Proven ability to build relationships and work across many teams

High School Degree or relevant experience

Preferred

Experience in Mortgage (particularly pricing)

Experience with Empower

Company

Citizens

Glassdoor3.6

At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.

Founded in 1828

Providence, Rhode Island, USA

10001+ employees

https://www.citizensbank.com/

H1B Sponsorship

Citizens has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2020 (1)