http://cfgcareers.com/careers/product-support-jobs en
The Business Credit Services Processing Team Leader manages a segment of the BCS Operations department supporting Branch, Business Banking, and Commercial Enterprise Banking market segments with commercial credit origination and portfolio management activities.  Specific focus on Application Processing, including the review of credit applications and gathering of due diligence items in advance of credit decisioning.
Responsibilities include:
Select, assess, and manage a high performing team ensuring continued development by providing day to day mentoring and feedback. Effectively coach, evaluate, motivate & develop colleagues.  Ensure that the team is meeting established SLAs, providing world class customer service, and delivering a high quality product.  
Ensure internal and external audit readiness through consistent application of legal, credit, and other policies, compliance, procedures, documentation and regulatory requirements for assigned team.  
Support strategic objectives to ensure timely implementation of critical initiatives. 
Continuously assess departmental procedures to seek opportunities for improvement.  Recommend and initiate process changes that will increase efficiencies, reduce risk, and deliver high customer satisfaction.  Ensure a sound risk and control environment.
Serve as primary liaison for team with internal and external business partners.
Actively lead or contribute to special projects outside the scope of immediate area of responsibility; positively contribute to BCS-wide initiatives.
 

Qualifications

A Bachelor’s degree is required or 10 years of relevant business experience.  A minimum of 5 years in Banking and/or Financial Services.  
Experience with hiring, firing, training, coaching and developing human resources is preferred but not required.  Incumbent should have served in a senior role and be experienced with peer coaching and mentorying.    
Excellent verbal and written communication skills.  The ability to effecitvely communicate with all levels of the organization.
Must be experienced with MS Word, Excel, Outlook.  PowerPoint, Access, and Visio are preferred.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383371]]> Wed, 01 Feb 2012 14:00:00 GMT 2145291-Providence-Product-Support
Purpose



This position is responsible for managing the daily operations of the business center by developing and implementing strategies and performance standards that create an environment that fosters superior customer experience through multiple customer contact channels.  Sets, tracks and holds people accountable for achievement of departmental goals. 

Function/Deliverables



Provide one on one coaching and feedback opportunities to first line assistant managers that are responsible for managing the day-to-day operation of a team or representatives handling customer inquiries.

Prepare and conduct performance reviews on a regular basis including career path development.

Utilize and develop operational reporting to monitor and manage daily work flows and account volumes.

Negotiate, establish and manage vendor and contracts associated with service level agreements to achieve business goals.

Insure proper coverage of critical job functions.

Conduct interviews for job candidates.

Developing and executing strategies to meet or exceed departmental goals.

Finalize decisions on promotions and disciplinary action.

Develop and implementation of business strategies to reduce delinquency and limit losses.

Review and maintain current process and procedures to remain compliant.

Participate in the preparation and presentation of departmental reports and metrics to internal business areas including senior management.

Ability to develop department metrics and create reports to assist in analyzing and measuring results.

Available to travel and represent CCO Mortgage in BK or FC court as required or necessary.


Qualifications

Education/ Qualifications  



High school/GED and 5 years of Bankruptcy experience required.

Bachelor Degree, preferred.

Skills/ Competencies



People management and leadership skills.

Knowledge of consumer and commercial banking requirements including Federal/State bankruptcy laws (e.g. Fair Debt Collection Act, Privacy Act, Fair Lending).

Excellent oral communications; counseling and persuasion skills

Math aptitude. 

Excellent organization skills.

Make independent decisions and exercise sound judgment.

Organized work habits.

Ability to perform in a production environment and meet monthly operational metric goals.

Excellent analytical skills.

Proficient computer skills.

Ability to motivate in a competitive, repetitive and stressful environment.

Thorough understanding of LPS and Default Desktop workflow and approval processes.

Superior Customer Care and Investor relationship skills.

Complete understanding of bankruptcy laws and regulations.

Effectively manage PACER and Lexus Nexus reports.

Familiar with MERS online updates.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
383182]]> Mon, 30 Jan 2012 14:00:00 GMT 2136812-Richmond-Product-Support
Position is needed for the purpose of administration of mortgage and equity credit policies and underwriting guidelines directed by investors and credit risk unit of CFG as well as identifying and influencing changes needed to meet the business model for HLS. 



Provides ongoing insights and analysis of credit trends and opportunities and recommends changes to Enterprise or business credit policy

Makes business decisions within the framework (limits and guidelines) established by Enterprise Risk (credit, operational etc).  Is responsible for effective credit practices and credit decision-making within the business.

Only takes risks that increase shareholder value, through the effective management of the risk/return relationship and appropriately balances risk-taking with the need to grow the business. 

Develops and implements sound lending practices that are consistent with corporate objectives and regulatory and investor guidelines.

Ensures compliance and sound credit risk management through the development and implementation of credit policies and procedures for the business, specifically mortgage and home equity policies, guidelines and lending procedures. 

Plans and prioritizes credit initiatives for the business. 

Build a strong, well respected cross-functional partnership and communication forum with internal/external stakeholders to achieve consistency and an open dialogue of challenges and opportunities.  This includes providing guidance to QC and credit risk on interpretation of secondary/investor guidelines.

Determines enhanced documentation and tools needed to communicate credit policies and procedures within HLS organization including oversight of available AUS systems (DU, LP, GUS) and provide direction to enhance technology related to credit practices and tools that mitigate risk.

Manage credit related support functions such as the condo project review team/process; product and guideline training; new loan scenario desk and: guideline interpretation desk.

Direct underwriting and sales teams on guideline interpretation disputes and mange loan exception process within the risk thresholds set by the business and CFG Credit Risk.  Monitor and track exceptions for the purpose of identifying training needs, policy gaps and policy clarification.


Coordinate, monitor and track exceptions and provide trend reporting to identify opportunities or risks, training needs, policy clarification or gaps.  Develop tools and best practices to achieve efficiencies for operations and customer service.  Leverage credit risk team’s analytical information on performance and manage repurchase risk reporting and rebuttal process.


 Evaluate private investor market on a continuous basis to determine policy and product gaps versus our own portfolio, particularly in jumbo, niche and wealth space. 

 Maintain a Credit Control Log which includes a summary of credit changes, approvals obtained, implementation date, and estimated business impact including volume and loan performance.

Underwrite and apply lending authority prescribed by bank (currently at $2,000,000) as needed around policy interpretation disputes.  Monitors lending authority within the business


Qualifications

Minimum 15 years mortgage banking experience with thorough understanding of mortgage and equity related risk, specifically with expert knowledge in credit risk policies and application of underwriting guidelines that properly supports business growth without compromising risk profile and investor reputation. 
 Must have both strategic and tactical capability especially in decision making for interpretation of subjective underwriting guidelines including underwriting experience in all mortgage and equity products, (i.e. GSE conventional, FHA/VA and portfolio/private investor jumbo/wealth knowledge).  This position will require candidate to meet criteria for minimum of $2,000,000 lending authority.
 Experience in Investor relations (internal/external) required particularly regarding guideline negotiations and interpretation discussions.  This includes the establishment of supporting business cases for policy change recommendations and the proper delivery of any changes into the organization to ensure compliance to existing and new policies. Repurchase experience preferred, particularly related to risk assessment and reporting as well as strong negotiation skills.
 Ability to work independently but also direct a team that supports responsibilities within the job description.  
Provide a fact based unbiased and influential leadership style that engages all HLS colleagues to drive consistency and execution within the organization in terms of proper application and business approach to product and guideline application.  This includes sales, underwriting and secondary teams as well as influencing internal credit risk partners within the bank and secondary market investors.
Skills



Strong inter-personal / relationship building skills

Excellent customer service skills.

Excellent organizational and communication skills.

Manages time well.

Ability to multi-task.

Demonstrate accuracy and thoroughness

Excellent presentation skills

Ability to influence

Able to adapt to changes or unexpected events.

Working knowledge of all standard Windows and Microsoft Office software a must. 


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383242]]> Mon, 30 Jan 2012 14:00:00 GMT 2136806-Richmond-Product-Support
Review submitted documentation to ensure compliance with bank requirements.  Follow-up and review routine documentation requirements with customers, loan officers, branches and other financial institutions. Complete review within department standards. Enter clear, concise comments, edit information and document application status on appropriate loan systems


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


Apply bank, state and federal regulations to ensure compliance (Fair Lending, Reg B, etc).


Meet department productivity and quality standards within department turn-time standards.


The incumbent reviews vendor reports, contacts customers, loan officers and/or branches to obtain routine loan documentation, resolves documentation issues for new loan applications.  The incumbent must have excellent oral communication skills, knowledge of loan processing and related vendor reports and must be familiar with state and federal regulations.  The incumbent is required to meet department productivity and quality standards.
 

Qualifications

High School Graduate or equivalent


Minimum of 1 year mortgage processing experience


Ability to handle high volume work in a fast-paced environment


Self-starter and comfortable functioning as a team player


Goal oriented and successful at meeting deadlines


Excellent written/oral communication and interpersonal skills


Outstanding organizational skills and strong attention to detail
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

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

383309]]> Mon, 30 Jan 2012 14:00:00 GMT 2136799-Cincinnati-Corporate
The candidate will manage collection accounts through the recovery process including account follow up to ensure actions are completed in a timely manner to increase collectability. The job function will include the review of past collection efforts, preparation of account referrals and correspondence with attorneys and or investors to bring the account to a resolution.  The candidate will negotiate settlements and payment plans as appropriate. 
 

Qualifications

High School or Equivalent (GED) required.

Associate Degree in business/legal preferred.

Strong knowledge of the collection process for consumer and commericial products with experience in consumer and/or collection process; payment negotiations and FDCPA understanding.

Excellent oral and written communication skills.

Effective time management skills

Must possess good judgment and decision making skills.

Ability to interact with management levels up to Vice President.

Knowledge of financial statements and accounting principles.

Ability to effectively interact with both internal and external customers.

Negotiation and presentation skills

Basic knowledge of and experience with MS Word, Excel, Powerpoint, Access and Outlook. 

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383006]]> Sun, 29 Jan 2012 14:00:00 GMT 2134077-Providence-Product-Support
Act as credit guideline interpretation expert on individual loan transactions or broad policies for HLS for Sales, Operations, Underwriting and Product Managers in Secondary.

Serve in an underwriting capacity as necessary that appropriately administers credit risk policy and/or investor guidelines in areas of disputes, repurchase rebuttals or policy interpretation. 

Maintain targeted response times and service levels for all internal customers.

Act as primary point of contact to investor or bank risk policy partners on behalf of HLS colleagues in matters of credit related issues requiring investor and bank policy clarification.  Determine appropriate situation to engage investor or provide independent interpretation and direction to colleagues with the goal of loan approval without compromising risk.  Provide supporting documentation or reasons to approve loans particularly as it pertains to compensating factors to support a loan approval.

Position requires ability to ascertain when and if clarification is needed from investors or rather incumbent can provide, with high degree of confidence, decision for interpretation and underwriting approvals/declines during disputes.   

Establish outstanding working relationships with HLS colleagues, demonstrating unbiased view in providing decisions on guideline interpretation disputes.  Work closely with Credit Risk policy makers/investors.  Review exception requests prior to submission to portfolio administration to provide input to requestor as needed to ensure full information is submitted.  Identify trends that may lead to need for policy clarification, policy gaps or training needs.

Review and determine ability to rebut investor repurchases by researching circumstances, re-underwriting, disputing claims, rectifying or clarifying guidelines and locating missing documentation.  Function as investor liaison on certain Credit matters (loan level appeals and disputes). 

Review and determine ability to appeal or dispute mortgage insurance company related coverage rescissions.  Provide similar support related to mortgage insurance company audits and FHA Insuring & Guarantee Team needs.

Evaluate Quality Control and Portfolio Administration Credit related findings, and provide final repurchase grades for each loan as a part of Secondary’s evaluation of risk; training needs regarding product and guidelines or policy clarification needs. 

Facilitate expanded knowledge of Secondary Market, industry practices among RBS Credit partners.  

Provide Credit related training support for Operations and Sales as needed and in coordination with Credit & Training Manager lll.

Others duties or special projects requiring underwriting expertise or as assigned by Manager.


Qualifications

Minimum 10+ years mortgage banking experience with seasoned Underwriting and Credit Policy experience.  Strong Underwriting decision management required.  Able to manage guideline disputes with excellent communication skill and style.  Drive for loan approval without compromising risk.  Provide supporting documentation to the file including the use of compensating factors to ascertain a business decision that can withstand potential investor put-back requests.

Have a comprehensive working knowledge of mortgage products; in-depth application of administering underwriting guidelines and industry / investor requirements.  Underwrite complex loan scenarios, particularly jumbo/wealth customers, tax returns; comprehensive knowledge of GSE conventional loans and prefer FHA Direct Endorsement (DE) designation.  Skill set should be able to meet requirement for $2,000,000 lending authority.

Mortgage operational background and process knowledge is important.  Sales knowledge and exposure preferred.

Ability to work independently as well as with team comprised of members from across all secondary market residential mortgage departments.  Position requires leadership and judgment skills including ability to negotiate with investors, determine appropriate situation to leverage investors or make independent decisions that align with bank’s corporate approach to risk.  Will be challenged with resolving disputes between various stakeholders and appropriately resolving situations that are well documented, communicated professionally and timely.

Manages time well.

Ability to multi-task.

Excellent customer service skills.

Excellent organizational and communication skills.

Excellent presentation and teaching skills.

Demonstrated accuracy and thoroughness and extreme attention to detail.

Able to adapt to changes or unexpected events.

Excellent decision making and supporting evidence skill set

Strong negotiation skills

Ability to absorb complex information and interpretative skills

Outstanding risk assessment skills

Working knowledge of all standard Windows and Microsoft Office software. 


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383231]]> Sun, 29 Jan 2012 14:00:00 GMT 2134070-Richmond-Product-Support
The Business Credit Services (BCS) Portfolio Manager II position is responsible for effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and as needed client support of pooled or individual portfolio.
The Portfolio Manager II position will have CFG delegated single signature Credit officer lending authority up to $1.5 Million. 
The Portfolio Manager II is responsible for ensuring overall portfolio performance and asset quality remains strong and is able to independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank. 
 The Portfolio Manager II will independently interact with Senior Management, Sales Team, Credit Products Officer, Credit Officer and/or MAD / GRG, in order to discuss and resolve risk related issues.  Portfolio Manager II independently reviews financials, makes recommendations and/or approves for annual review/renewal and/or modifications within delegated lending authority.
The Portfolio Manager II will perform the functions of the position with only periodic oversight and is expected to perform with general supervisory intervention.
 

Qualifications

3-5 years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.  Expected to have some level of credit and documentation experience.  Must be skilled in proposing and negotiating and approving credit and covenant  structures.
Must demonstrate practical and conceptual knowledge of credit and risk analysis.   Equivalent work experience may be considered as an alternative to formal degree program completion.
COMPETENCY AREAS:
General knowledge in financial modeling and able to structure credit in modeling environment.  Able to assist RMs on how to structure the credit relationship.
Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to Bank. 
Good understanding of industry nuances applicable to the credits contained within group’s portfolio. 
General knowledge of loan and related legal documents. 
Strong communication skills; and ability to influences others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
Bachelor's Degree in business administration, finance, accounting and/or economics preferred.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
383037]]> Sun, 22 Jan 2012 14:00:00 GMT 2121033-Providence-Sales-and-Service
 This position involves collection and recovery efforts on charged off SBO/Non SBO mortgage products.
Contact customers to negotiate payment and settlement arrangements through inbound and outbound calls. Bring charged off accounts to resolution while providing excellent customer service. Where necessary, refer accounts to the next stage of collections when appropriate, which includes legal, bankruptcy and agencies. Assure compliance to all collection laws, regulations and/or investor guidelines.
Conduct searches for assets and employment to determine appropriate collection strategy
Adhere to policy and compliance guidelines regarding security of customer information
Adhere to system documentation, policies and procedures to ensure accurate internal and external reporting
Insure operational goals are met as set by department standards
Achieve a quality score as set by department standards
 

Qualifications

 High school or equivalent (GED) required.
Associates degree preferred.
Minimum of 3 years experience in payment/settlement/account resolution and negotiation on charged off products.
 

Hours and Work Schedule

Hours per week: 40
Weekly Schedule:  Mon-Fri: 8:00AM-4:45PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382821]]> Sun, 22 Jan 2012 14:00:00 GMT 2117988-Providence-Product-Support
Arranges repayment of defaulted loans, seeking to maximize recovery of principal and interest.  Responsible for large complex defaulted loans.
 

Qualifications

High school degree or equivalent


1 year of experience
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-4:45PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383046]]> Sun, 22 Jan 2012 14:00:00 GMT 2117958-Providence-Product-Support
 This position is responsible for providing analytics and modeling for the Home Lending Solutions (HLS) Sales and Distribution channels.  The incumbent will be responsible for tracking and analyzing productivity and capacity of the HLS sales channels, including analysis by geography and market, loan product and purpose, and lead sources.    Analysis will include projections in line with recruiting plans and market conditions, as well as capacity and resource optimization for the Direct sales channel.
 Lead complex business analysis to support Business Development and Analytics and its business partners.  Must Design, propose and execute complex analysis using business intelligence and data mining techniques under minimal supervision of a Business Manager.      



Lead issue specific analysis as part of a larger business problem. 

Write full requirements for analysis of overall business problem, separating specific issues and hypothesis to be tested.  Detail analysis and flow of report to be executed by other analysts in the team

Define timelines, deliverables, and tasks for different analysts and colleagues in the project team.

Communicate results in visual appealing format, provide interpretation and next steps of the analysis. 

During project execution communicate delivery expectations, manage project execution and completion.

Extract and manipulate data for creation and advanced statistic or quantitative analysis of productivity of sales, across multiple distribution channels, including dimensions for geography, loan product and purpose, and lead sources.   Measure and evaluate opportunities or risks associated with this analysis.

Create analysis using multi-dimensional database analytics tools

Retrieve and organize data relevant to analysis on hand

Create and executes programs in SAS/ SQL to rationally and efficiently extract information from large datasets

Measure and evaluate capacity and potential capacity of direct sales across various products and lead sources.  Assist with projections for load balancing and source optimization.

Contributes to create requirements for data warehousing and Database Development

Develop statistical , financial and operations research solutions for business problems

Deliver results in presentation ready format using MS Office or other presentation software

Create business actionable hypothesis for specific issues, check prior knowledge acceptance with customers and communicate with key stakeholders

Review and assure accuracy, consistency and theoretical soundness of analysis performed by other analysts or customers

Uses descriptive profiling and exploratory data mining; to create advanced analytics solutions leveraging statistical and financial modeling

Execute statistical, Operations Research, or other advanced data manipulation designed by Lead Analyst.

Provide modeling and analysis to support compensation planning and decisioning. for sales groups.

Provide advice and technical support all issues related to implementation and automation.  Analyze process performance and recommend enhancements

Prioritize tasks and multi-task to deliver on time multiple projects

Support strategic planning efforts by providing thought leadership and analysis

Describe business problem, sample and bias issues, deliverable time frame and database implications analysis required.

Promote engagement with the business by demonstrating professionalism and enthusiasm when handling requests for analysis and reports

Actively engage with the broader team(s) on projects, requests, events, workouts etc. taking leadership role as required

Engage with facilities partners as necessary regarding HLS sales staffing.

 
 

Qualifications

Bachelors Degree required, Masters degree preferred
5 years experience conducting quantitative, financial or business analysis
1+ years management/ supervisory experience
Ability to lead small teams of customers and colleagues.  Divide large business problems into smaller issues, propose hypotheses and analyses to disprove or approve them.  Allocate analysis to other team members.
Financial analysis, including strong understanding of P&L, profitability drivers, allocations, activity based costs.  
Communication Skills: ability to present complicated analytical material in a concise and compelling manner to C-level managers
Experience with SQL (various flavors)
Strong desktop computer skills including  spreadsheets, databases, and word processing (MS Excel, Word, Powerpoint)
Proven skills in data extraction, manipulation and presentation
Attention to detail and critical thinking skills.
Ability to prioritize and multi-task effectively
Experience developing reports
Ability to translate data into information
Creativity; able to articulate ideas and concepts in visually interesting and persuasive ways
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382729]]> Thu, 12 Jan 2012 14:00:00 GMT 2092346-Providence-Corporate
This position is responsible for analyzing and organizing data and information to support comprehensive business performance reviews and scorecards for Home Lending Solutions, and providing analysis to support HLS initiatives.
Designs, proposes and executes complex business analysis to support Business Development and Analytics and its business partners.  Must accomplish complex analysis using business intelligence and data mining techniques .
Define and executes issue specific analysis as part of a larger business problem.  Review and analyze multiple reports, metrics and information related to HLS for consistency and relevance toward business goals and measurement.  Provide primary support in the preparation of comprehensive routine and ad hoc presentations, including Production Management/Business Performance Reviews.  Coordinates data and information for the development of HLS Scorecards.  Retrieve and organize data relevant to analysis on hand.  Create and executes programs in SAS/ SQL to rationally and efficiently extract information from large datasets.  Measure and evaluate risks and opportunities associated with HLS initiatives, such as Common Framework and Operating Model definitions.  Contributes to create requirements for data warehousing and Database Development.  Develop statistical, financial and operations research solutions for business problems.  Deliver results in presentation ready format using MS Office or other presentation software. 
Create advanced analytics solutions leveraging research and financial modeling.  Provide advice and technical support all issues related to desktop applications and automation.  Analyze process performance and recommend enhancements.  Present complicated analytical material and formulate actionable recommendations of business insights to senior management. 
Understand business problem, deliverable time frame and database implications analysis required.  Demonstrates professionalism and enthusiasm when handling requests for analysis and reports.  Own and promote use of analytics throughout the business. 
Actively engage with the broader team(s) on projects, requests, events, workouts etc. taking leadership role as required.  Provide training, as needed, to users of data warehouse to promote self sufficiency across the organization.
 

Qualifications

Bachelor's Degree required, Master's degree preferred 
Individual contributor of business analysis.  Developing independently solutions to issues, disproving or proving hypothesis relevant to analytical solution.
Ability to coordinate tasks with small teams of customers and colleagues
Financial analysis, including understanding profitability drivers, revenue, expense elements and fix allocations
Experience with SQL and business intelligence extraction tools
Excellent desktop computer skills including  spreadsheets, databases, and word processing (MS Excel, Word, Powerpoint)
 Attention to detail ,Critical thinking, seeking improve process efficiency, and clearly articulating cost benefit of implementation.  
 Strong communication skills, both written and verbal.  Ability to translate data into information relevant to the business issue and customer.  Explaining and training internal customer on use of solution. Ability to present complicated analytical material in a concise and compelling manner
 Creativity - able to articulate ideas and concepts in visually interesting and persuasive ways
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382728]]> Thu, 12 Jan 2012 14:00:00 GMT 2092345-Providence-Product-Support
Monitor loans in foreclosure to ensure compliance with all investor, guarantor, insurer, state and federal guidelines/timeframes are adhered to.  Review file when received in foreclosure to ensure that all of the prerequisites of foreclosure have been met.  Monitor loans in the foreclosure process and update servicing system with all critical steps during the process.  If there are delays in the foreclosure process the servicing system must be documented with the delay and the reason for the delay.  Monitor vacant properties during the foreclosure process to ensure the all property preservation functions are completed timely and in accordance with investor guidelines.  Resolve payment disputes and reconcile payment histories.  Work the foreclosure task queue daily and respond to inquiries timely.  Handle all foreclosure related correspondence, phone calls, e-mails promptly to avoid customer complaints.  Read, review and understand title reports to determine the lien position.  Report foreclosure sale results accurately and timely to the investor.
 

Qualifications

Effective verbal, written, and interpersonal communication skill with emphasis on telephone techniques
PC word processing, CRT data entry; typing
Problem solving and counseling skills; accuracy; math aptitude; attention to detail
Follow all foreclosure guidelines verbal and written
Mortgage experience
 

Hours and Work Schedule

Hours per Week:   40
Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
382622]]> Wed, 04 Jan 2012 14:00:00 GMT 2076526-Richmond-Corporate
Responsible for the day to day handling of the team, ensuring escalated and complex issues are resolved within strict SLA ’s and in accordance to Bank Policy and Regulatory Guidelines.   Monitors and tracks service level agreements.   This could include providing final review and signoff of written correspondence being sent to Regulatory Authorities and Customer on behalf of Citizens Bank or one of our Executives.  Coaches to a customer focused environment that motivates and empowers teams to deliver best in class customer service and problem resolution to increase customer satisfaction, enhance the customer relationship, and increase customer retention.   Displays a sense of optimism about their ability and their team’s ability to achieve results.   Assists with identifying training needs and delivering appropriate training to staff.   Responsible for assisting in the professional development of a team of senior-level agents.  Participate in multi-faceted projects focusing on customer experience and problem resolution related issues.   Acts as an SME and Supervises all phases of assigned work to satisfy business requirements and achieve strict business goals in an efficient and timely manner.    Provide individual and team support for special projects.   Responsible for developing and building strong relationships and partnerships with managers and business partners of key areas to ensure timely and quality service is being delivered to our teams and our customers.   Partner with Risk, Compliance, and Regulatory Relationship Managers to ensure policy and procedure is up to date and team is educated and prepared to handle issues in a high performing fashion.   Work with these partners to understand and train to changes in the Regulatory and risk environment.

 

Qualifications

High School or equivalent degree required

Bachelors Degree preferred

5 - 7 years of experience in lieu of degree

Senior Level knowledge of products and services and operational functions

Strong Coaching abilities-takes responsibility for coaching people to drive improvement and customer experience

Ability to act as an internal expert on problem resolution best practices

Strong understanding of Banking Regulations/Compliance

Strong knowledge of Risk Management Principles

Solid knowledge of Financial Services industry

Superior written communications skills/Advance Letter writing ability

Ability to provide guidance and feedback to functional areas on how best to improve the customer experience

Best in Class problem solving skills

Ability to multitask and work independently  in a fast paced environment

Ability to work with minimal Supervision to bring escalated and sensitive issues to closure

Must be comfortable being the voice of the Organization and its' executives

Takes responsibility for developing people

Empowers others to broaden the scope of their responsibility to deliver excellence

 

Hours and Work Schedule

Hours per Week:   40
Work Schedule:    Monday through Friday, 8:30am – 5:00pm
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
382718]]> Wed, 04 Jan 2012 14:00:00 GMT 2076499-Providence-Product-Support
The main purpose of the role is the capture, storage, and distribution of management information in support of all products and distribution channels in the Consumer Bank.  Lead transformational reengineering effort on behalf of the Consumer Bank integrating multiple existing data sources into a new single source of data in partnership with the Enterprise Data Initiative. Develops and establishes production reports to support the business lines and executives within the timeframes defined by the service level agreement.  Overall responsible for data accuracy and data quality. In addition responsible for information security of certain third party data vendors. Provide overall data governance business leadership to supporting Technology Division resources on behalf of the division.
 

Qualifications

Bachelor Degree required/Masters Degree preferred. 

Must have 15 years of experience in Financial Services Industry/Management Information and Analysis.

Detailed understanding of the Consumer Banking Division

Extensive experience of stakeholder management at Executive level.

Proven ability to manage and deliver through large teams.

Strong people management skills and ability to operate with credibility at the Executive level.

Strategic vision and organization/marketplace awareness

Commitment to development and career advancement of diverse workforce

Proven ability to lead, manage, and influence teams to achieve objectives.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382492]]> Wed, 04 Jan 2012 14:00:00 GMT 2076486-Providence-Product-Support
The Business Credit Services (BCS) Loan Specialist is responsible for clearing closing stipulations for complex commercial loan approvals.  Works with customer, relationship manager and third party vendors to resolve and clear due diligence items including environmental reports, appraisals, flood determinations, lien positions and title work thereby ensuring that the conditions of the credit approval are met. Effectively manages loan closings for deal structures underwritten under Retail and Commercial Credit policies.
Also works with Commercial Enterprise Banking customer base to support service needs.  Provides exceptional customer service  while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.   
 

Qualifications

Strong background in commercial loan operations and servicing.  Thorough knowledge of commercial banking documentation.  Exceptional customer service and communication skills.  Solid understanding of commercial real estate deals and structure. Self starter with the capacity to work independently withminimal supervision. Able to effectively liaise with relationship managers, legal counsel, third party vendors and external customers. Strong knowledge of commercial and retail credit policy as well as commercial regulatory requirements.
Broad knowledge of commercial loan operations, regulatory requirements and credit policy.
Bachelor's degree preferred.  5-7 years experience in commercial loan operations and related customer service.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of Citizens Bank of Pennsylvania to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
382658]]> Mon, 02 Jan 2012 14:00:00 GMT 2070952-Pittsburgh-Product-Support
The Business Credit Services (BCS) Portfolio Manager II position is responsible for effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and as needed client support of pooled or individual portfolio. 
The Portfolio Manager II position will have CFG delegated single signature Credit officer lending authority up to $1.5 Million. 
The Portfolio Manager II is responsible for ensuring overall portfolio performance and asset quality remains strong and is able to independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank.  
The Portfolio Manager II will independently interact with Senior Management, Sales Team, Credit Products Officer, Credit Officer and/or MAD / GRG, in order to discuss and resolve risk related issues.  Portfolio Manager II independently reviews financials, makes recommendations and/or approves for annual review/renewal and/or modifications within delegated lending authority.
The Portfolio Manager II will perform the functions of the position with only periodic oversight and is expected to perform with general supervisory intervention.
 

Qualifications

3-5 years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.  Expected to have some level of credit and documentation experience.  Must be skilled in proposing and negotiating and approving credit and covenant  structures.
Must demonstrate practical and conceptual knowledge of credit and risk analysis.   Equivalent work experience may be considered as an alternative to formal degree program completion.
COMPETENCY AREAS:
General knowledge in financial modeling and able to structure credit in modeling environment.  Able to assist RMs on how to structure the credit relationship.
Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to Bank. 
Good understanding of industry nuances applicable to the credits contained within group’s portfolio. 
General knowledge of loan and related legal documents. 
Strong communication skills; and ability to influences others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
Bachelor's Degree in business administration, finance, accounting and/or economics preferred.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382651]]> Mon, 02 Jan 2012 14:00:00 GMT 2070949-Providence-Sales-and-Service
The Single Point of Contact Relationship Manager will be responsible for managing the customer relationship throughout the default process.  This role will be the single point of contact primarily assigned to borrowers throughout the loss mitigation, foreclosure, and bankruptcy processes.  The SPOC Relationship Manager will be the liaison between the customer and other default departments including Loss Mitigation, Foreclosure, Bankruptcy, Loan Servicing, and any other mortgage operations’ groups as necessary.   In this role, this person will work with these other departments and the borrower to ultimately resolve the borrower’s situation, which will include a loan modification, foreclosure, bankruptcy, or payment plan, and act as the communication liaison with the borrower for the possible solutions and ultimate final outcome.  Additionally this individual will need knowledge of Investor and Regulatory guidelines and interact as a liaison with investors on specific loan situations. 



Be the primary contact for customers and approved third parties, such as investors, attorneys, trustees, court representatives while providing exceptional customer experiences.

Communicate options and final decisions to borrowers. Communicate modification decisions and if declined, discuss other options with borrowers.

Understand and communicate with borrowers on specific financial information, including discussing debt to income, tax information, and personal financial statements.

Hold other departments accountable for completing tasks, while understanding that area’s functions and impact on the borrowers.

Communicate and present options with other departments while meeting specific deadlines imposed by regulatory requirements.

Remain current on all default processes and regulatory changes and their impacts on the borrowers.

Research all customer issues and bring all of them to a final resolution.

Responsible for and follows up with Processors and Customers to insure that all paperwork is received and final documents are signed.

Work with and communicate with mortgage investors on specific borrower issues, leading to an agreed upon borrower resolution.


Qualifications

High School or Equivalent (GED), Required

Bachelor Degree, Preferred

Customer service orientation (Collections and/or Origination's preferred) with ability to demonstrate empathy towards customers / borrower

High level communications skills when dealing with outside entities

Excellent time management skills

Goal driven

Problem solver (demonstrated analytical / research skills)

Strong decision making skills

Detail oriented

Proficient product and service knowledge

Knowledge of MSP, ALS, and Filenet preferred

Strong written and verbal communication skills

Strong organization skills

Strong PC Skills

Able to develop wider business knowledge of all other functions within the division.

Knowledge of corporate policy, laws and regulatory requirements of area of responsibility.

Ability to work in team environment to resolve problems

Understanding of appropriate escalation timing and reasons

Understanding of the mortgage investor relationship and general investor requirements

Understanding of the differences in judicial and non-judicial state requirements

Strong negotiation skills

Financial services/operations environment, 4+ Years

Mortgage/Default, 2+ Years (Preferred

Mortgage Investor, 1+ Years (Preferred)


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

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

382434]]> Tue, 20 Dec 2011 14:00:00 GMT 2053593-Richmond-Corporate
The Single Point of Contact Relationship Manager will be responsible for managing the customer relationship throughout the default process.  This role will be the single point of contact primarily assigned to borrowers throughout the loss mitigation, foreclosure, and bankruptcy processes.  The SPOC Relationship Manager will be the liaison between the customer and other default departments including Loss Mitigation, Foreclosure, Bankruptcy, Loan Servicing, and any other mortgage operations’ groups as necessary.   In this role, this person will work with these other departments and the borrower to ultimately resolve the borrower’s situation, which will include a loan modification, foreclosure, bankruptcy, or payment plan, and act as the communication liaison with the borrower for the possible solutions and ultimate final outcome



 Be the primary contact for customers and approved third parties, such as attorneys, trustees, court representatives while providing exceptional customer experiences.

Communicate options and final decisions to borrowers. Communicate modification decisions and if declined, discuss other options with borrowers.

Understand and communicate with borrowers on specific financial information, including discussing debt to income, tax information, and personal financial statements.

Hold other departments accountable for completing tasks, while understanding that area’s functions and impact on the borrowers.

Communicate and present options with other departments while meeting specific deadlines imposed by regulatory requirements.

Remain current on all default processes and regulatory changes and their impacts on the borrowers.

Research all customer issues and bring all of them to a final resolution.

Responsible for and follows up with Processors and Customers to insure that all paperwork is received and final documents are signed.


Qualifications

High School or Equivalent (GED), Required

Bachelor Degree, Preferred

Customer service orientation (Collections and/or Origination's preferred) with ability to demonstrate empathy towards customers / borrower

Excellent time management skills

Goal driven

Problem solver (demonstrated analytical / research skills)

Strong decision making skills

Detail oriented

Proficient product and service knowledge

Knowledge of MSP, ALS, and Filenet preferred

Strong written and verbal communication skills

Strong organization skills

Strong PC Skills

Able to develop wider business knowledge of all other functions within the division.

Knowledge of corporate policy, laws and regulatory requirements of area of responsibility.

Ability to work in team environment to resolve problems

Understanding of appropriate escalation timing and reasons 

Financial services/operations environment, 3+ Years

Mortgage/Default, 2+ Years


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
382433]]> Tue, 20 Dec 2011 14:00:00 GMT 2053592-Richmond-Corporate
 



Lead issue specific analysis as part of a larger business problem.  Write full requirements for analysis of overall business problem, separating specific issues and hypothesis to be tested.  Detail analysis and flow of report to be executed by other analysts in the team.  Define timelines, deliverables, and tasks for his own work and how iterate with other members in the team and customers.  Prioritize tasks and multi-task to deliver on time multiple projects

Extract and manipulate data for creation and advanced statistic or quantitative analysis for portfolio and acquisitions Key Performance Indicators; as well as supporting marketing initiatives.  Measure and evaluate opportunities or risks around measuring programs such as response, retention, loyalty, etc (Direct Mail, TV, Radio, or Digital Channels)

Develop statistical, financial and operations research solutions for business problems.  Execute statistical, Operations Research, or other advanced data manipulation designed by Lead Analyst. Develop segmentation, decision tree, survival analysis, marketing affinity, multivariate statistical Modeling, clustering  and experimental design techniques

Create business actionable hypothesis for specific issues, check prior knowledge acceptance with customers and communicate with key stakeholders.  Design experiments to confirm hypothesis, or back test similar periods from the past.

Create custom code to extract n SAS/ SQL to rationally and efficiently extract information from large datasets.  Create analysis using multi-dimensional database analytics tools.  Retrieve and organize data relevant to analysis on hand. Use descriptive profiling and exploratory data mining; to create advanced analytics solutions leveraging statistical and financial modeling

Communicate results in visual appealing format, provide interpretation and next steps of the analysis. Deliver results in presentation ready format using MS Office or other presentation software.  Interacts with EVP, SVP leaders, Managers and analysts.

Works with internal and external vendors and technology teams

Promote engagement with the business by demonstrating professionalism and enthusiasm when handling requests for analysis and reports. Actively engage with the broader team(s) on projects, requests, events, workouts etc. taking leadership role as required


Qualifications

 



Master degree in quantitative areas (Statistics, OR, Engineering, Economics, Computer Sciences) or equivalent work experience.  PhD a plus.

Individual contributor, proven leadership, delivery focus record.

5-8+ years relevant experience in marketing business analysis, risk or strong quantitative area. Banking experience preferred

Ability to lead small teams of customers and colleagues.  Divide large business problems into smaller issues, propose hypotheses and analyses to disprove or approve them.  Allocate analysis to other team members.

Exceptional problem solving and analytical skills. Creativity; able to articulate ideas and concepts in visually interesting and persuasive ways

Desirable Financial analysis, understanding of P&L, profitability drivers, cost allocations

Experience with SQL (various flavors)

Experience using SAS (intermediate to Expert)

Attention to detail and critical thinking skills. Ability to translate data into information. Experience developing reports. Proven skills in data extraction, manipulation and presentation


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382315]]> Wed, 14 Dec 2011 14:00:00 GMT 2036442-Dedham-Product-Support
  Purpose
This position is responsible for being a central coordinator for rebuttal activities to investors, MI companies, and other third parties from a default perspective. Role will be responsible for MI claim rebuttals and related investor demands for make whole/repurchases due to collection or default issues. Will also be responsible for receiving, reviewing, and rebutting alleged violations in investor servicing guidelines. Will be familiar with and may report on investor incentive and/or compensatory fees.
Responsible for reviewing actions of internal departments for accuracy/adherence to investor or other third party guidelines. Direct interaction with external stakeholders such as investors, attorneys, and MI companies.
Function/Deliverables



Receive, review, research and rebut investor demands for compensatory fees by investigating actual actions taken on loans versus servicing guidelines.

Respond and submit rebuttals to MI companies

Report to management on amounts lost for MI curtailments, MI Denials, compensatory fees, make-whole costs, and other investor penalties.

Coordinate activities with repurchase department staff.


Qualifications

Skills/ Competencies
These minimum skills required to competently perform the duties of this job. 



Excellent time management skills

Goal driven

Problem solver

Proficient product and service knowledge

Knowledge of MSP system

Solid knowledge of MS Office products

Strong written and verbal skills

Strong organization skills

Strong project management skills

Strong PC Skills

Able to develop wider business knowledge of all other functions within the division.

Knowledge of corporate policy, laws and regulatory requirements of area of responsibility.

Excellent problem solving skills

Work Experience



Property Secured Default Experience, 3+ Years.  Three or more years of experience across property secured default departments including one or more functional areas such as collections, foreclosure, loss mitigation, or bankruptcy.

Servicing Standards, 1 Year.  Preferred experience reviewing and interpreting investor or other third party servicing guidelines.

  Education/Qualifications



High School or Equivalent (GED), Required

Bachelor Degree, Preferred

Other Education or Training on Banking, Collection Laws, Preferred


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 
 

Other Information

Please note: Per the Internal Recruitment Guidelines and Policy, by applying for this position you certify that you meet the following criteria in order to be considered for this position:





Meet the minimum job qualifications.

Received a rating of 3 or better on your most recent performance review.

Currently not on a Performance Development Plan or Final Written Warning.

Informed your current manager of your intent to apply for the position.

For additional information, please review the Internal Recruitment Policy https://www.rbsamericashr.com/SiteCollectionDocuments/Policies/policy_3.02_Internal_Hires.pdf  on RBSAmericasHR.com.
Please keep in mind, there is no mandatory length of time in a role before you can apply for another role; however, our practice suggests a minimum of 12 months in your current position. Additionally, you are only eligible to apply and be considered for up to three positions at any point in time.
  

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382319]]> Tue, 13 Dec 2011 14:00:00 GMT 2034326-Richmond-Product-Support
The Quality Assurance Advocate I impacts Problem Debt Management colleagues in such a way that the coaching and feedback that is provided is then utilized by management to develop colleagues in a manner that engages the colleague, ensures compliance to bank and departmental standards, and ensures a level of consistency to both internal and external customers. 



Monitor and evaluate Problem Debt Management colleagues utilizing the Verint Quality Monitoring system and accessing the appropriate Quality Assurance/Coaching and Development form

Complete self check of all evaluations within the current month

Monitor and/or evaluate contacts of the following type: inbound and outbound customer contacts.  


Qualifications

 



Knowledge of collections policies and procedures

Strong working knowledge of Microsoft Office suite

Experience using the Verint Quality Monitoring product

Must possess active listening skills

Superior communication skills, especially written

Able to provide objective, constructive feedback to colleagues

Ability to multi-task in a dynamic, fast paced environment

Ability to work both independently and as part of a team

The Quality Assurance Advocate I will possess 3 or more years of collections related experience

The Quality Assurance Advocate I will possess a minimum of 1 year of experience in a call center environment


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382280]]> Tue, 13 Dec 2011 14:00:00 GMT 2034323-Providence-Product-Support
Manage Pricing Committee Process for the Home Lending Solutions (HLS) product area.  Prepares and analyzes product pricing and program financials on behalf of HLS and develops executive level management presentations, business reviews, key findings and recommendations. Pro-actively identifies new market opportunities and risks arising from competitive, regulatory and other internal and external factors.  Provides recommendations to enhance product and customer profitability. Ensures proper policies and procedures are in place to document pricing decisions.
Develops and maintains pricing and profitability models/pro formas to support new business initiatives.  Gathers data and performs analytics to properly backtest and validate models and documents assumptions that provide the basis for pricing and profitability measurement.  Collaborates closely with colleagues across the organization to develop and refine models. 
Acts as lead financial expert on cross-functional teams to establish processes for developing financial analysis and business cases associated with potential new strategies. 
Trains and develops other analysts.  Organizes and plans workflows.  Ensures effective departmental policies and procedures are developed and maintained.
 

Qualifications

Strong organizational and leadership skills: plans, reviews and tackle obstacles to excellence; ability to utilize persuasion and build relationships to win support for the benefit of the business; builds confidence and inspires others to achieve success for the business; uses scenario planning to consider the implications of different scenarios
Mastery of theoretical and practical accounting and finance concepts and techniques including  discounted cashflow analysis, ROE, economic capital, funds transfer pricing, etc.
Excellent analytical and research skills:  ability to interpret financial results and business indicators to identify trends.  Conduct quantitative, financial or business case analysis.
Proficiency in analytical spreadsheet skills and data manipulation.  Experience with statistical and quantitative analysis a plus. Skilled in software applications:  Microsoft Word, Excel, Access, Powerpoint, SAS a plus. 
Excellent communication skills, both written and verbal
Comfortable asking challenging questions yet collaborate for success of the business
Leads and develops other analysts.
Bachelor's degree required, MBA of Master in Finance preferred.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382287]]> Mon, 12 Dec 2011 14:00:00 GMT 2031524-Richmond-Product-Support
Provide recommendations to enhance product and customer profitability using statistical methods, operations research or other advanced quantitative techniques.  Create business actionable hypothesis for specific issues; checking prior knowledge base, acceptance with customers and communicating with key stakeholders. 
Develop and maintain pricing and profitability models/proformas to support new business initiatives.  Gather data and perform analytics to properly back test and validate models and documents assumptions that provide the basis for pricing and profitability measurement. Describe statistical and advanced analytics in business terms, such as sample and bias issues. Communicate results in visual appealing format; provide interpretation and next steps of the analysis.   Collaborate closely with colleagues across the organization to develop and refine models. 
Provide relevant reporting and analyses, including competitive analyses, in support of Pricing Committee Process for product area.  Prepare and analyze product pricing and program financials on behalf of assigned area and develops executive level management presentations, business reviews, key findings and recommendations.
 

Qualifications

Financial analysis, including strong understanding of P&L, profitability drivers, allocations, activity based costs and pricing dynamics.
Communication Skills: ability to present complicated analytical material in a concise and compelling manner to C-level managers.  Comfortable asking challenging questions yet collaborate for success of the business
Creativity; able to articulate ideas and concepts in visually interesting and persuasive ways
Excellent analytical and research skills:  ability to interpret financial results and business indicators and present findings.  Experience with statistical and quantitative analysis.
Strong organization, Attention to detail and critical thinking skills.
Skilled in software applications:  Microsoft Word, Excel, Access, PowerPoint, SAS
Bachelor's degree in Finance, Advanced Mathematics or other analytical discipline.


Advanced degree preferred
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382282]]> Mon, 12 Dec 2011 14:00:00 GMT 2031509-Danbury-Bridgeport-Product-Support
    Purpose
Single Point of Contact Assistant Manager manages a group of customer relationship managers, including setting employee schedules, managing completion of work assignments and meeting business requirements in a timely and cost effective manner and achieving business goals.  This position will manage a group of 10+ relationship managers that work with customers and act as a liaison with the processing groups.  The SPOC Assistant Manager is responsible for recruiting, hiring decisions, performance reviews, and reward and recognition of staff.  This individual will develop relationships with managers of key support areas to ensure quality service is being delivered to our customers. Will serve as a key stakeholder to ensure compliance with investor servicing guidelines/standards.



Coaches and trains their team to provide understanding of appropriate options for borrowers, such as Collections, Repayment plans, Special Forbearance, Modifications, Short Sales, and/or Foreclosure.

Creates and coaches to a customer focused environment that motivates and empowers employees to deliver high quality customer service to increase customer satisfaction and enhance customer relationship.  Rewards and celebrates success.  Assists with identifying training needs and delivers appropriate training to staff.

Responsible for recruiting, hiring decisions, performance reviews, and reward and recognition of staff.  Identify hiring needs.    

Develops schedules, cost and resource estimates and manages to these requirements.  Fulfills operational requirements through supervision of assigned work group. 

Implement and deliver business plans and targets.  Plan, allocate, and organize team resources to meet business plan.

To initiate and support process improvement activity and help to embed a culture of continuous improvement.  To facilitate change through projects.

Identify and manage the risk, minimizing the outcome and escalating where appropriate.

Develop and maintain effective working relationships. Partner with other departments with common goals.

Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience.

Develop, plan, and implement activities that will enable a highly motivated and highly performing team to deliver team objectives. Fostering an environment of cooperation and change.

C reate, plan and implement activities that will support the development of team members.

Reviewed follow-up with each individuals performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors.  Conducts performance reviews and acts upon development needs where appropriate.   Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors ("what" is expected and "how" they are expected to achieve objectives)


Qualifications

  Education



Bachelor Degree, Required

Skills/Competencies  



Superior coaching abilities – takes responsibilities for coaching people to drive performance improvement

 Customer service orientation. 

 Excellent time management skills

 Goal driven

 Problem solver

 Proficient product and service knowledge

 Knowledge of MSP, ALS, and Filenet preferred

 Solid knowledge of MS Office products

 Strong written and verbal skills

 Strong organization skills

 Strong project management skills

 Strong PC Skills

 Experienced in successfully delivering services through leading people

 Able to develop wider business knowledge of all other functions within the division.

Knowledge of corporate policy, laws and regulatory requirements of area of responsibility.

Excellent problem solving skills

   Work Experience



Financial services/operations environment, 5+ Years

Progressive Management, 5+ Years

Mortgage Default, 2+ Years


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382192]]> Thu, 08 Dec 2011 14:00:00 GMT 2028531-Richmond-Product-Support
  Purpose
Single Point of Contact Group Manager manages a segment of a division which encompasses several large or more risk intense departments.  This individual is responsible for a large or complex section of the company’s operations.  Builds, supports, and leads the customer relationship manager model that is the end to end single point of contact between the customer and RBS Americas (servicer). This position will manage a group of relationship managers responsible for end-to end customer relations throughout the mortgage/equity default process.  This department was created due to regulatory pressure requiring Banks to provide delinquent borrowers with a single point of contact through the moss mitigation, foreclosure, and bankruptcy stages. To facilitate the customer experience, this person is required to be the liaison between the borrowers and all other mortgage/equity departments while understanding all aspects of the default process.  The SPOC Manager will motivate and coach others to achieve results and maximize personal potential by providing ongoing feedback. Will lead team to achieve overall performance goals while communicating effectively. Will focus on what is important to create and maintain a customer focused, risk adverse operating model for areas of responsibility.  This individual develops, recommends and implements business plans, operational procedures, and systems which support the division's long-term, strategic objectives.  Develops, recommends, and implements departmental policies and procedures.  Ensures staff compliance with these and other banking policies.  Will have budgetary control as a key accountability.  Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs.   
  Function/Deliverables



Leads and manages the organization to provide deep understanding of appropriate options for borrowers, such as Collections, Repayment plans, Special Forbearance, Modifications, Short Sales, and/or Foreclosure.

Motivates and coaches others to achieve results and maximize personal potential by providing ongoing feedback regarding overall performance and communicates effectively, focusing on what is important.

Creates and maintains a customer focused, risk adverse operating model for areas of responsibility. 

Creates a customer focused environment that motivates and empowers their teams to deliver high quality customer service. 

Uses insights into customer needs to recommend solutions to business problems. 

Manages a segment of a division which encompasses several large or more risk intense departments. 

Responsible for a large or complex section of the company’s operations. 

Conducts problem solving and projects of moderate complexity with little or no direction. 

Develops, recommends and implements business plans, operational procedures and systems which support the division's long-term strategic objectives. Works cooperatively with investors and internal policy makers to ensure compliance with and business efficiency of policies. 

Ensures staff compliance with departmental, banking, investor, and regulatory policies. 

Key operational partner to investors, regulators, and internal stakeholders. Serves as operations expert for areas of responsibility. 

Budgetary control as a key accountability 

Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs. 

   

Qualifications

  Education



Batchelor Degree, Required

Master's Degree, Preferred

Skills/Competencies



Ability to make sound decisions and implement actions 

Superior class coaching abilities – takes responsibilities for coaching people to drive performance improvement.

Superior customer service orientation, advanced analytical and proficient product knowledge.

Superior ability to multi-task and to function efficiently in a high volume, fast paced deadline oriented environment.

Working knowledge of MSP, ALS, and Filenet preferred

Solid knowledge MS Excel

Solid knowledge PowerPoint/Visio

Solid knowledge of MS Word

Superior time management skills

Superior written and verbal skills

Strong organization skills

Strong project management skills

Strong PC Skills

Proven experience of successfully delivering services through leading people

Knowledge of basic project management methodology

Working knowledge of process improvement techniques and methods

General knowledge of mortgage and default

Wider business knowledge of all other functions within the division.

Advanced knowledge of corporate policy, laws and regulatory requirements of area of responsibility.

Excellent problem solving skills

Work Experience



Financial services/operations environment, 10+ Years.

Progressive Management, 5+ Years.

Mortgage Default, 5+ Years


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382169]]> Thu, 08 Dec 2011 14:00:00 GMT 2028513-Richmond-Product-Support
**This is a combined role. 50% of the work week performing Vendor Liaison duties, 50% of the work week receiving inbound calls and placing outbound calls/direct collection efforts on charged off SBO/Non SBO Mortgage products.
The liaison responsibilities of this position is to effectively provide support to external collection agencies on all aspects of collections including settlement authorization and document research requests. This position also encompasses industry standard batch liquidation reports and scorecard creation and interpretation, as well as onsite audits and performance review presentations.
 

Qualifications

3+ years experience in negotiating payment arrangements, handling inbound and making outgoing collection calls on charged off products.
1+ year experience in analyzing and communicating performance metrics and results to a third party collection agency, as well as balancing financial remits.
 Intermediate knowledge of Microsoft Office applications, specifically Excel
Strong written and Oral communication skills 
 

Hours and Work Schedule

Hours per week:  40
Weekly Schedule:  Monday - Friday, 8:00am-4:45pm
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

381801]]> Sun, 04 Dec 2011 14:00:00 GMT 2006900-Providence-Product-Support
This role is responsible for the development, management, and oversight of a robust attorney network to perform default related legal services. Will be a key partner to the corporate legal department ensuring performance standards are met. This role will oversee both mortgage and home equity legal services on behalf of RBS Americas and investors.

Responsibilities will include:


 



Achieve performance targets set by internal policy and investor guidelines as they relate to legal services

Conduct annual compliance site visits (more frequent as needed). Travel is required to current active firms

Conduct regular performance reviews (on-site). Travel is required to current active firms to evaluate effectiveness of current strategies/treatment and to review past performance and identify changes if needed.

Liaise with internal default teams

Develop and own Policies and Procedures for attorney vendor relationship process.

Coordinate training for new Policies and Procedures to both internal employees and collection agencies.

Collaborate in the development of legal strategies

Oversee Quality Assurance and adherence to policies

Manage placement volumes through scorecard analysis

Ensure appropriate and timely reporting in place to maximize effectiveness in identifying trends or strategies.

Vetting of new firms

Retainer development and negotiation including rate negotiation and SLA standards


Qualifications

Proven Vendor Management knowledge as well as extensive default background including bankrupcty, foreclosure, and loss mitigation

Strong leadership and team management skills

Extensive knowledge of industry standards and investor requirements

Strong knowledge of Microsoft Office applications

Strong verbal/written communication skills

Ability to promote an open work environment and to drive change within

Provide leadership and management to supervisors and associates

Provide training and development of supervisory team

Ability to analyze processes, enact change and think operationally and strategically to achieve business goals.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 
 

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, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
381435]]> Wed, 30 Nov 2011 14:00:00 GMT 1997505-Richmond-Product-Support