Fifth Third Bank · 1 week ago
RCC Equity Underwriter I
United States
Full-time
Remote
Mid Level
$48K/yr - $96K/yr
3+ years expFifth Third Bank is a financial institution that connects great people to great opportunities. They are seeking an RCC Equity Underwriter I to perform underwriting duties for consumer bank initiated residential real estate requests, ensuring compliance with lending regulations and managing risks.
BankingCommercial LendingFinanceFinancial ExchangesFinancial ServicesLendingMedia and EntertainmentMortgage
Responsibilities
Analyze consumer credit reports for Consumer Lending real estate applications to evaluate risk and make appropriate credit decision for Direct Lending across multiple states, markets or geographic regions
Maintain an in depth knowledge of the continual enhancements and changes to the Fifth Third Consumer Lending policy and procedures in order to ensure consistent treatment of all real estate applications
Manage application pipeline to meet business objectives and stated Service Level Agreements
Responsible for ensuring completeness and accuracy of real estate credit application
Responsible for ensuring HMDA purpose codes are accurate before rendering a final decision
Evaluate customer provided credit documents to support credit decision, including calculation of income, personal financial statement reviews, trust reviews, etc
Place orders for bank obtained credit documents in accordance with real estate policy guidelines, and partners with retail and borrower to clear condition with regards to Property Reports, Appraisals, and Flood Certifications
Formulate and communicates credit decision (approve, decline or counteroffer) in compliance with established underwriting guidelines, compliance and regulatory requirements
Demonstrate a solid understanding of the credit exception process, specifically identifying opportunities with applications and understanding the relevant compensating factors needed to present to the exception team
Review credit applications and recommends decisions on applications over their assigned authority to their manager or senior level underwriters review before communicating final decisions
Partner with the Mortgage Line of Business to underwrite simultaneous first and second lien real estate loan requests, as appropriate
Develop business relationships and build rapport with internal customers across multiple states to achieve mutual goals
Host side by side visits for bank employees to both gain an understanding of our processes and to help build interest in our department and identify possible candidates for filling future needs
Demonstrate the ability to be a team player by providing superior customer service, being flexible and approachable
Qualification
Required
Must live within 30 miles to Cincinnati, Farmington Hills, or Grand Rapids
College degree in Business or Finance or equivalent work experience
Minimum 3 years Consumer Lending or related industry experience
Knowledge and understanding of basic financial analysis techniques
Strong interpersonal, written and verbal communication skills
Ability to make high quality decisions and execute in a time sensitive manner
Ability to handle multiple tasks and meet deadlines in fast paced environment
Ability to interact with Vice President level managers; build consensus; and motivate others
Strong analytical and organizational skills
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). Fifth Third will assist with the registration process and completion
Benefits
Comprehensive benefits
Incentive compensation plan
Company
Fifth Third Bank
Fifth Third Bancorp is a financial services company that specializes in small business, retail banking, and investments. It is a sub-organization of Fifth Third Bank.
10001+ employees
H1B Sponsorship
Fifth Third Bank 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
2021 (2)
2020 (43)
Funding
Current Stage
Public CompanyTotal Funding
unknown1978-01-13IPO
Leadership Team
B
Bryan Preston
Chief Financial Officer
Maria Holmes
VP, Senior Manager Corporate Sponsorship
Recent News
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2026-01-24
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2026-01-23
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