National Home Equity Loan Specialist

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YOUR RESPONSIBILITIES:

The responsibilities for this role are below; you may support projects of varying complexity based on skill and organizational priorities.

• Serve as a Knowledge Expert: Serve as subject matter expert on all home equity lending products and services.
• Conduct Consultative Conversations: Consult with borrowers to assess needs and recommend appropriate solutions.
• Review and Validate: Review and validate borrower documentation including income, credit, collateral, and underwriting stipulations.
• Analyze Loan Requests: Analyze complex loan requests including personal and business financials, to assess risk and make credit decisions.
• Render Underwriting Decisions: Render underwriting decisions within established guidelines or escalate to senior underwriters when necessary.
• Ensure Quality of Applications: Ensure completeness and accuracy or applications, including HMDA coding and regulatory compliance.
• Partner with Borrowers and Internal Teams: Partner with borrowers and internal teams to clear conditions related to appraisals, title, and flood certifications.
• Maintain Work Pipeline: Maintain pipeline management to meet service level agreements and productivity standards.
• Identify Opportunities: Identify and refer opportunities for additional products and services, including alternate lending solutions.

MINIMUM REQUIREMENTS:

 This position requires an experienced level of proficiency. We require a minimum of 5 years of experience in consumer lending, credit, collections or retail banking; including at least 3 yeears in processing or customer service roles.

REQUIRED SKILLS:

Qualified candidates will possess an experienced degree of proficiency (typically from 5+ years of work or practical experience), in: 

• SAFE Act Certification: registration required the Nationwide Mortgage Licensing System (NMLS)at time of employment
• Financial Analysis: Strong understanding of financial analysis, credit evaluation, and underwriting principles.
• Knowledge Expert: Expert knowledge of equity loans, consumer lending guidelines, and federal regulations governing residential real estate lending.
• System Proficiency: Proficiency in loan origination systems, platform tools, and general PC applications.
• Problem Solving: Demonstrated ability to resolve complex issues and make sound decisions under time constraints.
• Analytical and Organization Skills: Strong analytical and organizational skills with the ability to manage multiple priorities.
• Communication: Excellent interpersonal, verbal and written communication skills

Please refer to the “Skills for Success” section to learn how to stand out as an applicant.

SKILLS FOR SUCCESS:

Qualified candidates will possess an experienced degree of proficiency (typically from years of work or practical experience), across a suite of skills including, but not limited to: 

• Education: Bachelor’s degree in business, Finance, or equivalent experience preferred.

DOING THE RIGHT THING: Our employees take pride in doing the right thing for customers and colleagues as well as being accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures that protect all our valuable assets —including you​.

National Home Equity Loan Specialist

Total Base Pay Range 61,200.00 - 125,500.00 USD Annual

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social