http://cfgcareers.com/cincinnati-jobs en
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
Engage current and potential customers in the aisles, at the check-out counter, and at the front door of the host retail partner.

Set prospect meetings at initial contact or through follow-up calls to gain an understanding of their unique banking needs.

Establish customer relationships, conduct telephone prospecting, outbound calls, follow-up and face-to-face meetings.

Demonstrate a deep understanding of products and present benefits by cross-selling to existing customers and new customers

Achieve personal sales goals and actively participate in branch sales and marketing activities. 

Exercise strong decision making abilities and problem solving skills.

Embody our customer commitments to accountability, community, innovation and accessibility.

Accurately conduct teller credit and debit transactions in compliance with established bank policies and procedures. Prepare daily proof record and maintain an acceptable difference record.

Work non-traditional schedule including nights and weekends.

Display leadership qualities in sales and service.  Be a resource to peers in helping them improve their skills.


Qualifications

High School degree or equivalent required

2 years sales and service experience

General knowledge of teller operations helpful

Must successfully complete banker assessment

Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Schedule Varies. This is an in-store location.  Branch hours are:
Monday - Friday: 10:00a to 7:00p
Saturday: 10:00a to 4:00p
Sunday:  11:00a to 3:00p 
 

How to Apply

Please note:  To be considered for a Banker position, you must successfully pass an assessment. Please copy and paste the following URL into your browser to access the assessment and then complete your application: 
https://st5.ercdataplus.com/cob6ins/
 

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.

382931]]> Mon, 16 Jan 2012 14:00:00 GMT 2102096-Cincinnati-Charter-One-Banker
Responsible for underwriting complete product offerings for the business unit.  For mortgage underwriting this includes automated and manual portfolio products, Jumbo loans, Construction-to-Perm and Tandem products.  For home equity underwriting, this includes the larger dollar size and more complex home equity applications.  This position has lending authority between $500,000 - $750,000.
Responsible for mortgage underwriting this includes automated and manual portfolio products, Jumbo loans, and Construction-to-Perm and Tandem products.  For home equity underwriting, this includes the larger dollar size and more complex home equity applications.
Ensure material information captured in the application and passed through to the automated underwriting system is accurate at time of review.
Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested.
Comprehensive knowledge of all income sources, including the ability to interpret personal and business income tax returns.
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process.
Provide exceptional customer service in all written and verbal communications to both internal and external customers.
Incumbent develops procedures for performance of a variety of duties or performs complex duties within established policy guidelines; responsible for a defined set of assignments, e.g., all financial activities for the department; is expected to determine and create necessary procedures to set priorities and meet specific goals and objectives of the function or unit.  
 

Qualifications

High School or Equivalent (GED), Bachelor Degree preferred
Mortgage and equity industry experience
Knowledge of underwriting guidelines
Detail and organizational skills
Customer service skills
Excellent written and verbal communication skills
4 years mortgage and equity underwriting experience in a lending institution.
 

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.

382195]]> Tue, 06 Dec 2011 14:00:00 GMT 2014357-Cincinnati-Sales-and-Service
Responsible for underwriting conforming loan product offerings for the business unit.  For mortgage underwriting this includes automated and manual portfolio products, Construction-to-Perm and Tandem products.  For home equity underwriting this includes the larger dollar size and more complex home equity applications.  This position has lending authority up to conforming loan limits.

The Underwriter I reports to the Regional Team Manager, who reports to the Underwriting Group Manager.  This is the entry-level role for the underwriting team, and a logical next step in the career progression of a Processor II or Processor III.

For mortgage underwriting this includes automated and manual portfolio products, and Construction-to-Perm and Tandem products.  For home equity underwriting this includes the larger dollar size and more complex home equity applications

Ensure material information captured in the application and passed through to the automated underwriting system is accurate at time of review

Proactively suggest program alternatives for customers who do not qualify for terms initially submitted

Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making

Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested

Comprehensive knowledge of all income sources, including the ability to interpret personal and business income tax returns

In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set

Is a resource for operations and sales colleagues regarding specific product requirements for loans in process

Provide exceptional customer service in all written and verbal communications to both internal and external customers

Interact with internal and external clients.  Including Loan Officers/branch bankers, operations managers, processors, quality and risk personnel.

This is a loan decisioning position with significant financial and risk impact to the business. 


Qualifications

 High School or Equivalent (GED) required.

Bachelor Degree - preferred

Mortgage/Home Equity Underwriter 0-4 Mortgage and equity underwriting experience in a lending institution.

Mortgage Processor 3+ as an alternative to mortgage underwriting experience, applicant should have over 3 years of processing experience.

Mortgage and equity industry experience

Knowledge of underwriting guidelines

Detail and organizational skills

Customer service skills

Excellent written and verbal communication skills


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.

382194]]> Tue, 06 Dec 2011 14:00:00 GMT 2014356-Cincinnati-Sales-and-Service
The Ops Group Manager I manages a major division which encompasses several large, more complex, or more risk intense departments. May manage employees across multiple sites as well the leadership of a management team. Full accountability for achievement of objectives set within the business plan for the specific business unit or function. 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. Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs.

Leadership Accountabilities:


Business Management & Planning: Create and implement operational or functional business plans aligned with the overall business strategy and organizational policy to ensure the business unit within the span of control has the capacity and capability to meet the agreed objectives. Contribute ideas, innovations and insights based on operational and customer needs to the overall business plan, to ensure the right objectives and focus is set in that plan.

Process/Continuous Improvement: To identify and initiate improvement projects within the operational area that will enable improvement of overall business unit performance. Responsible for change readiness, implementation and delivery of change benefits.


Customer Service: To champion strong customer service attitudes and values. Responsible for assessing customer needs and inputting into the business strategy to help shape future product and service design. Utilize performance metrics to drive quality output.

Risk Management: Be accountable for the identification (self-identification) and minimizing risk across areas of responsibility. Ensuring the reputation and financial robustness of the business unit is protected appropriately. Requiring maintenance of an appropriate control environment and self certification level.

Stakeholder Management: Develop and maintain effective working relationships with key stakeholders across the business so that these contribute both to the effective operation of the business unit as well as the development of the unit business plan.

Managing Change: Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience. Ensure robust structures are in place to deliver, monitor and review change initiatives. Team Leadership: To create, plan and implement activities that will enable a highly motivated and highly performing workforce. Champion of Customer Service, change, culture, values and attitude across the business function.

Recruitment & Induction: Oversee the hiring process and ensure that resource plans meet business need.

Team Development: Create, plan and implement activities that will support the development of team members and create a culture of development across the business unit.

Performance Management: Prepare, analyze and act upon relevant management information to ensure that each team meets agreed service levels and objectives. Coach and develop staff. Review and follow-up with each individual’s performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors. 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). Ensure policies for the performance management of individuals are implemented across all teams.

Qualifications

Outstanding customer service orientation and product knowledge


Strong written and verbal communication skills


Strong organizational, marketplace and global awareness


Highly effective networking and relationship building skills


Commitment to development and advancement of highly-skilled and diverse workforce


Acts as an agent for positive change with flexibility


Commitment to quality and efficiency


Excellent time management skills


Excellent written and verbal skills


Excellent interpersonal skills


Superior project management skills


Strong PC Skills


Working knowledge and understanding of business planning, risk management and control methodology


Typically 5+ years of leading people across a range of teams


Previous experience of working in a variety of business areas or other divisions or industries is desirable


Thorough understanding of overall strategic objectives for Business Services and RBS


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


Bachelor Degree required, Master’s Degree preferred, or equivalent work experience


10 + years Operations/financial services environment, with 5+ years of proven leadership experience


Solid customer service orientation and proficient product knowledge.


Supervisory experience


Ability to support others through development and coaching


Strong understanding of the compliance/regulatory environment


Bachelor Degree required

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.
380802]]> Sun, 09 Oct 2011 16:00:00 GMT 1842093-Cincinnati-Management