http://cfgcareers.com/providence/product-support-jobs en
The incumbent completes a variety of regulatory and clerical tasks to support Processing, Closing and Underwriting functions including but not limited to preparing and completing disclosure packages, completing appraisal requests, flood reviews, forwarding and monitoring receipt of title reviews, complete verification of employment, obtain homeowner’s insurance, index documentation, data enter loan information (if applicable), faxing and following up on documentation if needed. Adherence to regulatory and bank guidelines and department standards is required.
Review submitted documentation to ensure compliance with bank requirements. Access websites as needed. Follow up on documentation issues with customers. Complete review within department standards. Able to process all mortgage or home equity products efficiently.
Enter clear and concise comments, edit information, and document application.
Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, and/or explanation of required documentation.
Basic knowledge of secondary market/lending programs and guidelines with the ability to apply bank, state and federal regulations to ensure compliance (Fair Lending, Reg B., etc).
Meet or exceed department productivity and quality standards within department turn-time standards.
Supervision: Incumbent performs standard and routine assignments independently to conclusion; unusual problems which may require exceptions to procedures or processes are referred to the supervisor. (Generally applies to technical or skilled worker able to work independently.)

Qualifications

High School or Equivalent (GED) required.
Associate Degree or Bachelor Degree preferred.
Time management and ability to meet deadlines is critical to this position. Attention to detail and organizational skills are required. Requires work in a fast pace environment with the ability to multitask.
2-3 years proficient in PC skills.
2-3 years work experience in either an office or retail environment.
2-3 years knowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites.
2-3 years experience in oral and written communication with internal and external customers.

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.
386541]]> Wed, 16 May 2012 16:00:00 GMT 2439932-Providence-Corporate
Primarily responsible for responding to and resolving complaints directed to Executive Services by Regulatory Agencies or Executive Leadership. Utilizes superior knowledge of internal products and services in conjunction with a strong understanding of Banking Regulations and a risk environment. Provides best in class complaint handling and problem resolution services for customers and colleagues. Works closely with customers and business partners to respond to the most escalated and complex issues. Primarily responds in writing to escalated issues received by members of Executive Leadership or referred directly by a Regulatory authority. Utilizes outstanding Customer Experience skills in both telephone and written communication to internal and external customers. Retains ownership of the problem and follows through to complete resolution.

Qualifications

High School or equivalent degree required; Associates Degree preferred

3 - 5 years of banking experience in lieu of degree

1 year of experience in a problem resolution environment preferred

Strong, working knowledge of Customer Care system preferred

World class Customer Experience skills

Excellent problem resolution skills; ability to apply creative thinking to resolving customer issues

Ability to identify trends and provide root cause analysis

Thorough knowledge of Bank products and services

Excellent verbal and written communication skills

Superior active listening skills

Strong working knowledge of Microsoft Office products

Ability to work independently in a fast paced, changing environment, with minimal supervision

Ability to learn and apply new concepts quickly

Superior ability to navigate through difficult situations


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.
386457]]> Sun, 13 May 2012 16:00:00 GMT 2430005-Providence-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 8:15AM-5:00PM
Overtime as required

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.
386361]]> Wed, 09 May 2012 16:00:00 GMT 2424858-Providence-Corporate
Collect payments on predefined accounts through problem resolution, servicing and negotiation techniques.
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.
Review account status, advise customer of current status, and request additional information as needed.
Ability to negotiate payments on accounts within early and mid-level stages of delinquency
Insure operational goals are met as set by department standards.
Achieve a quality score as set by department standards.
Adheres to provided schedule
Determine account status based on system of record

Qualifications

High School Diploma or Equivalency


6 months Collections Experience
Excellent oral communications; counseling and persuasion skills
Flexibility to adapt to changing business needs and requirements with a consistent, positive attitude

Hours and Work Schedule

Hours per Week: 20


Work Schedule: Monday -Thursday 6:00PM-9:00PM Saturday 8:00AM-12:00PM

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.

386023]]> Wed, 09 May 2012 16:00:00 GMT 2425061-Providence-Product-Support
Arranges repayment of defaulted account, seeking to maximize recovery of principal and fees. Responsible for complex defaulted accounts.

Qualifications

High school degree or equivalent


1 year of experience

Hours and Work Schedule

Hours per Week: 20


Work Schedule: Monday-Thursday 5:00PM-9:00PM and Saturday 9AM-1PM

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.
386376]]> Tue, 08 May 2012 16:00:00 GMT 2424859-Providence-Product-Support
Manage, coach, and motivate the HLS mortgage/equity production team. Provide leadership and direction and promote teamwork and professionalism. Analyze and implement strategy for increasing unit’s performance. Develop, implement and monitor workflow improvement initiatives to meet division goals. Serve as consultant or subject matter expert to senior management or project teams.
Overall responsibility for the Home Lending Solutions Mortgage/Equity Production Teams. Manage, coach and develop team members at all levels. Demonstrate leadership and professionalism at all times.
Monitor pipeline to improve customer experience. Improve turn-time results. Partner with other business lines to maximize efficiencies.
Review daily reports to monitor areas that impact the timely completion of both mortgage and equity applications. Assist manager to identify areas that present risk of compliance violations or areas that may require improved efficiency and accuracy.
Effectively manage pipeline, adhering to departmental policies, procedures and regulatory guidelines.
Perform and /or coordinate training of new team members.
Review discrepancies in work performed by other departments that impact loan application turn time and estimated closing dates. Recommend actions to resolve or correct discrepancies.
Perform essential functions required to supervise in manager’s absence.
Perform special projects as requested.

Qualifications

High School or Equivalent (GED) required.
Associate Degree and/or Bachelor Degree preferred Or 3-5 years previous supervisory experience.
3-5 years of previous equity/mortgage experience.
3-5 years of previous management experience.
5 years of processing/ closing experience with detailed knowledge of loan documentation and products; familiar with lending guidelines.
2 years of Knowledge of bank, state and federal compliance regulations.

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.

386278]]> Tue, 08 May 2012 16:00:00 GMT 2425091-Providence-Product-Support
The BCS Commercial Loan Closing Team Leader manages a staff within the BCS Operations department supporting the Branch, Business Banking, and Commercial Enterprise Banking market segments. Team provides loan closing support to Relationship Managers for commercial credit transactions. Support includes ordering and reviewing appraisals, environmental reports, title work and commercial loan documentation.
Primary responsibilities:
Ensures that the team is meeting productivity standards and service level agreements.
Performs all necessary human resource management activities, including but not limited to the hiring, training, and evaluating of colleagues. Ensures the continued development of team members by providing feedback, coaching, mentoring, and training.
Provides support to the Group Operations Manager by ensuring audit readiness through consistent application of policies and procedures. Responsible for fully documenting and updating processes.
Supports strategic objectives to effectively meet goals and ensure timely implementation of critical 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 General understanding of commercial lending, including products, processing, credit analysis, regulatory requirements, and documentation.
Incumbent should have served in a senior role and be experienced with peer coaching and mentoring.
Knowledgeable of commercial credit origination and management.
Understanding of processing, credit analysis and commercial loan documentation.
Understanding of traditional commercial credit product offerings including SBA and real estate secured credit.
Knowledge of federal and state laws and regulations pertaining to business credit, ranging from small businesses (<$1MM in revenues) to mid market customers.
Familiarity with financial statement spreading, covenant testing, and use of the FaCT system are pluses.
Excellent verbal and written communication skills with the ability to effectively communicate with all levels of the organization.
Must be experienced with MS Word, Excel, Outlook. PowerPoint, Access, & Visio are preferred.
Experience with all aspects of managing colleagues, including demonstrated experience mentoring, training, & developing colleagues.

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.

386324]]> Mon, 07 May 2012 16:00:00 GMT 2424884-Providence-Product-Support
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.
Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.
Supports Branch, Business Banking and Commercial Enterprise Banking segments serviced by Business Credit Services.

Qualifications

3-5 years broad knowledge of commercial loan operations and/or consumer mortgage operations. Understanding of regulatory requirements and credit policy.
1-2 years prior related customer service.
Strong background in commercial or consumer loan operations. Working knowledge of commercial loan documentation.
Strong customer service and communication skills.

Solid understanding of various collateral types and associated requirements, including commercial real estate.
Self starter with the capacity to work independently with minimal supervision.
Able to effectively liaise with relationship managers, legal counsel, third party vendors and external customers.
Familiarity with commercial and retail credit policy as well as commercial regulatory requirements.

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.
386358]]> Mon, 07 May 2012 16:00:00 GMT 2424857-Providence-Product-Support
The Business Credit Services Loan Closer is responsible for clearing closing stipulations for complex commercial loan approvals. Works with customer, relationship manager and third party vendors to obtain, review, and resolve and clear due diligence itmes including environmental reports, appraisals, flood determinations, lien searches, and titlework, thereby ensuring that the conditions of the credit approval are met.
Effectively manages loan closing process for deal structures underwritten under Retail and Commercial Credit policies.
Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.
Supports Branch, Business Banking and Commercial Enterprise Banking segments serviced by Business Credit Services.

Qualifications

3-5 years broad knowledge of commercial loan operations and/or consumer mortgage operations.
1-2 years prior related customer service.
Understanding of regulatory requirements and credit policy.
Strong background in commercial or consumer loan operations. Working knowledge of commercial loan documentation.
Strong customer service and communication skills.
Solid understanding of various collateral types and associated requirements, including commercial real estate.
Self starter with the capacity to work independently with minimal supervision. Able to effectively liaise with relationship managers, legal counsel, third party vendors and external customers.
Familiarity with commercial and retail credit policy as well s commercial regulatory requirements.

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.

386296]]> Sun, 06 May 2012 16:00:00 GMT 2415399-Providence-Product-Support
Collect payments on predefined accounts through problem resolution, servicing and negotiating techniques.
Adhere to policy and compliance guidelines regarding security of customer information. includes RBS Citizens, local, state and federal laws.
Adhere to system documentation policies and procedures to ensure accurate operational reporting.
Review account status,  advise customer of current status, and request additional information as needed on inbound/outbound calls.
Ability to consistently and proficiently negotiate payments on accounts within all level stages of delinquency within one line of business.
Achieve a quality score as set by department standards.
Adhere to provided schedule.
Determine account status based on system of record.
 

Qualifications

Excellent oral communication,  counseling and persuasion skills.
Knowledge of Fair Debt Collection practices
Flexibility to adapt to changing  business needs and requirements with a consistent positive attitude.
Excellent data entry and typing skills
Math aptitude
Familiarity with the usage of a predictive dialer and automatic call distributor
Maintain composure under pressure and in confrontational situations with customer.
Make independent decisions and exercise sound judgment
Organized work habits
Ability to  perform in a production environment and meet monthly operational metric goals.  
 

Hours and Work Schedule

Hours per Week:   20
Work Schedule:    Monday  -Thursday 5:00pm-9:00pm, Saturday 8:00am-12:00pm
 

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.

384580]]> Sun, 15 Apr 2012 16:00:00 GMT 2355537-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
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