http://cfgcareers.com/rhode-island/lending-jobs en
The purpose of this position is to ensure that the Bank fulfills its community and Community Reinvestment Act (CRA) commitments on a nationalbasis. In this manner, incumbent is responsible for management of community development and outreach, volunteerism, business development. Incumbent has personnel management responsibilities for the Community Investment Relationship Manager family. The incumbent is responsible for program management to result in high visibility opportunities for Citizens Financial Group as a leader and contributor to regional and national communities.
Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all CFG internal policies. Prioritizes work that is assigned to the group, assure that work is appropriately distributed among the team members and is responsible for objective quality control of groups analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to the Bank
The Incumbent will help develop and implement The Company’s strategic plan as it relates to community development and community outreach activities.Responsible for overseeing the effective management at the Company’s relationships with local, regional and national community organizations, with a focus towards increasing sales to low, and moderate-income communities and meeting broader corporate CRA objectives.
Through the Market Leadership Teams, foster relationships with internal partners and managers to develop, review and improve CRA-strategies. Incumbent partners with CRA Administration Team to develop and deliver recommended strategies.
Oversee the effective implementation of community outreach program designed to increase deposit and lending activities among low- and moderate-income borrowers and in low- and moderate-income areas. Responsibilities included 1) Establishment of goals and objectives, 2) Implementation of tracking programs
In partnership with State Presidents, senior business-line leaders, develop and implement outreach program to reach multi-cultural communities and local, regional and national organizations serving diverse populations.
Ensures that direct reports' work product is quality controlled and compliant with CFG commercial credit policy.

Qualifications

12 years of progressively responsible work experience which includes a minimum of five years management of outreach programs and sales management.

Skilled in initiating, developing and managing effective relationships.

Ability to effectively lead and influence internal teams.

Persuasive and polished communicator.

Strong written and verbal communication skills.

Prepare and deliver presentations and information in both formal and informal settings to a variety of audiences.

Develop effective oral and written communications to a wide variety of internal and external constituents of culturally diverse heritages.

Incumbent has a firm understanding of demographics and can lead various strategies and outreach efforts into multiple demographic and socioeconomic markets, with an emphasis on African-American, Latino and Asian-Pacific-American communities. Incumbent may also work with non-language-reliant markets, including gay/lesbian, female and other under-represented communities.

Interpret and communicate internal policies/procedures accurately and effectively.

Establish and maintain effective working relationships as required by the job.



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.
386663]]> Thu, 17 May 2012 16:00:00 GMT 2441304-Providence-Lending
The incumbent reviews and prepares closing packages for equity and mortgage products, contacts branches and settlement agents to obtain routine loan documentation, and resolves documentation issues for loan closings.  The incumbent must have excellent oral communication skills and knowledge of equity and mortgage closing documents. The incumbent is required to meet department productivity and quality standards
Verify accuracy of information input into the system, by comparing key documents such as title, homeowner’s insurance, appraisal and flood certificate. Verify rate expiration and doc expirations.
Review closing settlement sheets from closing agent and update the system with escrow information and conditions that must be satisfied prior to funding.  Prepare closing packages for all products offered.
Review fees and charges, calculate net funding, enter wire information and send e-mail notification to accounting. 
Send closing docs to agents electronically, fax figures and conditions, update system, receive HUD from agent for review and approval.
Ensure the scheduling of loan closings with either the settlement agent or the customer.  Ship files to post closing
Enter clear and concise comments, edit information and document application status on appropriate loan systems.
 

Qualifications

High School or Equivalent (GED), required

Associate Degree / Bachelor Degree preferred or 2 years of closing experience

2 years experience in the following areas:


Mortgage or equity loan closing - Knowledge of loan documentation related to closings, experience working with various branches and settlement agents

Ability to work in a high volume, fast paced environment - Ability to produce under pressure, multi task and prioritize in a sometimes stressful environment

Customer Service - Experience in oral and written communication with internal and external customers

Proficient PC Skills - Outlook, Microsoft




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.

386305]]> Tue, 08 May 2012 16:00:00 GMT 2425035-Providence-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


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:    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.

386054]]> Mon, 30 Apr 2012 16:00:00 GMT 2395885-Rhode-Island-Sales-and-Service
This position reports to the Regional Team Manager who reports to the Underwriting Group Manager. 
Underwrite pre underwritten conventional first mortgages prepared by a Junior Underwriter.
Underwriting complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans.
Utilize your knowledge and experience to serve as an advisor for junior members of the department.
ensuring material information captured in the automated underwriting system is accurate at time of review.
proactively suggesting 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.
assist the Group Team Manager when necessary and provide training when required.
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.
General Supervision:  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.  (Typically pertains to advanced technical, senior professional, unit supervisor).
Interact with internal and external clients including Loan Officers, 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.
Certification or Licensure, other Education or Training - Preferred.
Mortgage and equity industry experience.
Extensive knowledge of underwriting guidelines.
Extensive knowledge of Government products and guidelines.
Detail and organizational skills.
Customer service skills.
Excellent written and verbal communication skills.
8 years of Mortgage/equity underwriting experience in another 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. 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.

385382]]> Tue, 10 Apr 2012 16:00:00 GMT 2343531-Providence-Sales-and-Service
The Ops Supervisor II provides oversight and monitoring of the workflow of a group. Oversees and supports the day-to-day department production activities which include cross training, control, and audit activities, production, and quality control.  Facilitates departmental workflow, ensures that work is properly safeguarded and controlled in accordance with banking policies and procedures.  Provides guidance, training and leadership to team/multiple teams.

Ensures work adheres to regulations and ensures compliance to CFG policies, departmental policies, risk avoidance standards and SLAs. Track and report key department metrics. Requires a detailed working knowledge of the department functions and systems supporting those functions to resolve more complex problems encountered by the staff and make non-routine decisions. Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs.  May manage small projects requiring coordination with other teams and may perform other such duties as assigned.

Leadership Accountabilities: 


Business Management & Planning: Be aware and understand the business objectives and how this relates to the role. Oversee and support the day-to-day department production activities.

Process/Continuous Improvement: To contribute to the improvement of the customer experience.  To encourage and respond to process improvement ideas from team members.

Customer Service: Be a role model to drive a customer service values.

Risk Management: Will Identify, minimize, and escalate risk where appropriate.

Team Leadership: Will ensure team members have a clear idea of what is expected of them and to what standard.

Recruitment & Induction: To assist in the on boarding of new team members so that they can be effective in their new role as quickly as possible.

Team Development: Will actively participate in supporting and training team members to achieve individual and department goals.

Performance Management: Will provide input in the performance review process, assist team members in achieving the objectives and targets linked to the business goals and ensure appropriate behaviors are demonstrated ("what" is expected and "how" they are expected to achieve objectives).
 

Qualifications

Solid interpersonal and communication skills


Solid organization skills


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


Strong PC skills


Intermediate knowledge MS Excel


Intermediate knowledge PowerPoint/Visio


Intermediate knowledge of MS Word


Solid time management skills


Sound written and verbal skills


Solid professional customer service orientation


Ability to support others through development and coaching


Advanced problem solving skills and analytical skills


Strong understanding of the compliance/regulatory environment


Associate Degree required


3 + years Operations experience, 1+ years supervising people, managing workflow process
 

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.

382154]]> Tue, 13 Mar 2012 16:00:00 GMT 2042596-Providence-Lending
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Financial Group is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
 

Qualifications

BA/BS degree or equivalent experience in residential mortgage sales preferred


Three plus years of retail residential mortgage sales experience


Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)


Established relationships with local referral networks


Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences


Strong computer skills and experience utilizing laptop technology


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:    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.

383711]]> Mon, 13 Feb 2012 14:00:00 GMT 2171522-Rhode-Island-Sales-and-Service