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INTRO
Anne S.
Apply Now
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An environment invested
in your best interests.
WHAT DRIVES YOU?
At Citizens, we strive to help our customers, colleagues and
communities reach their potential. No matter what drives
you and your career, we support your goals with a culture
that encourages mentoring and empowers you to put your
ideas into action. In addition to your career, we continuously
look for ways to improve and grow our business, whether
they’re in customer experience or technology. And we always
remember that when our communities thrive, we succeed.
With people like you, we’re made ready to do great things —
now and in the future.
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LEADERSHIPWHO WE ARE WHERE WE ARE
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Citizens started out as a small community bank, founded
in 1828. By 2015, we successfully completed the largest
commercial bank IPO in U.S. history.
Our headquarters is in Providence, R.I., and we have a large
branch and ATM network across our footprint. We offer a
wide variety of banking products and services to a diverse
customer base.
No matter how large Citizens grows, we remember our roots —
to help customers by listening and understanding their needs
in order to offer tailored advice, ideas and solutions. That’s
because we raise families, pay mortgages, and have nancial
goals, too.
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LEADERSHIPWHO WE ARE WHERE WE ARE
*
As of Nov 2022
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As a federally chartered bank, Citizens has
a nationwide reach for agency lending. Our
portfolio lending services are available in all
the highlighted states below.
*
BANK
FOOTPRINT
• Connecticut
• Delaware
• Florida
• Maryland
• Massachusetts
• Michigan
• New Hampshire
• New Jersey
• New York
• Ohio
• Pennsylvania
• Rhode Island
• Vermont
• Virginia
• Washington, D.C.
OUT-OF-BANK
FOOTPRINT
• California
• Georgia
• Illinois
• Indiana
• Kansas
• Kentucky
• Louisiana
• Maine
• Missouri
• North Carolina
• South Carolina
• Tennessee
• Texas
• West Virginia
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LEADERSHIPWHO WE ARE WHERE WE ARE
Lewis joined Citizens in March
2020 with over 20 years in the
mortgage industry. He currently
leads the Consumer Direct Loan
Ofcer Sales Division. Prior to
joining Citizens, Lewis worked as
a sales leader for Capital One,
Homebridge Financial, and Mr.
Cooper.
LEWIS TONG,
Head of Consumer Direct Sales
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CHACE GUNDLACH,
Head of Mortgage Sales
Prior to joining Citizens in
December 2008, Chace was a
regional manager at JP Morgan
Chase for 18 years. He brings
more than 30 years of industry
experience and oversees Retail,
Virtual and Correspondent Sales,
and Mortgage Strategy and
Execution.
MARY ANN CALLAHAN,
Head of Mortgage Operations
Mary Ann joined Citizens in
September 2021, and has 35
years of consumer lending
experience including more
than 20 years in mortgage
operations, sales, servicing
and loss mitigation. Prior to
joining Citizens, Mary Ann
held leadership positions at
Bank of America, PNC, and
JP Morgan Chase. She is
responsible for Mortgage Retail
and Correspondent Operations.
DEBBIE STAFFORD,
Retail Sales Director
Debbie joined Citizens in 2020
as Midwest Regional Sales
Manager and in 2023, became
National Retail Sales Director.
Prior to joining Citizens, she
served in several leadership
roles including territory sales
executive at PNC Bank, as well
as Fifth Third Bank.
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Scott B.
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Our mission is to help our customers reach their potential
and to exceed their expectations by providing the best possible
customer experience.
From the rst conversation and even after closing, our
colleagues are focused on meeting our customers’ needs.
Likewise, we are focused on our colleagues’ needs, from support
during every step of closing, to support in your personal life
and goals.
It starts with customer relations training. This program will
help you learn or refresh best practices for building strong
relationships and delivering a great experience. During the
mortgage application process and beyond, you’ll have direct
access to our servicing partners and their escalation teams.
You’ll be ready for anything that comes your way.
We’re doing great things and getting recognized for it.
Recognized by Freddie Mac for the
fastest growth of a national lender
in 2023.
See all of our company honors
here.
Advancing your career
in strides.
WHAT DRIVES YOU?
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DIGITAL CAPABILITIES OPERATIONS PRODUCTS
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We invest in industry-leading technology, marketing, and lead
generation platforms to help you grow and serve your customer
base and connect with Realtor
®
partners. Here are just a few of
the ways we help you sharpen your competitive edge:
WHAT DRIVES YOU?
An online hub that
simplies construction loan
management and reporting
Salesforce CRM platform
that allows efcient lead
management
Individual,
personalized websites
for self marketing
Mortgage application
system and loan
origination systems
Modern products and the latest
tech to keep you productive.
Marketing automation
for loan ofcers
Industry expert insights,
real estate data, and
calculators
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Name
Title
DIGITAL CAPABILITIES OPERATIONS PRODUCTS
Cathy R.
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A collaborative team ensures that your transactions are a priority
and that your loan closings happen on time. That’s why we
work in pod structures — a loan ofcer, processor, underwriter
and closer work as a team from start to nish for every loan
application. This teamwork makes us ready to work faster,
smarter and smoother.
There’s even more that makes our operations team so great:
• Loan ofcers build a strong relationship with their dedicated
processor.
• Our paperless process helps the team be more efcient.
• With load balancing, there are no disruptions or delays in the
loan process.
• We have a pre-ight process with our Portfolio team — loan
ofcers can send scenarios before formally submitting a loan
to determine the likelihood of an exception.
• Each member of our leadership team averages 20-plus years
of industry experience.
• Regionalized in-house operation centers support the
team and are located in Providence, RI; Richmond, VA;
and Marlton, NJ.
WHAT DRIVES YOU?
Collaboration and
smooth operation.
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DIGITAL CAPABILITIES OPERATIONS PRODUCTS
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AGENCY
Conforming Products
Standard loan amounts up to 97% LTV including HomeReady (low- to
moderate-income)
• High balance loan amounts up to 95% LTV
• All occupancy/LTV parameters follow Fannie Mae without overlays
GOVERNMENT
FHA Products
Standard and jumbo loan amounts follow FHA parameters
• Up to 96.5% LTV
• Secondary nancing from HUD-approved entity permitted
• Fixed-rate products occupancy types follow FHA
VA Products
Loan amounts up to $2 million
• Fixed-rate products
• No/low down payment options for qualied veterans
• Gift funds from acceptable sources allowed toward closing costs, a
down payment, and/or cash reserves
• Fixed-rate mortgages for primary residences only
• Seller concessions permitted
• VA Interest Rate Reduction Loan on primary, second homes and
investment properties
PORTFOLIO*
Portfolio Jumbo Loans
Financing at competitive interest rates
• ACH discount of 0.125% to the rate (in and outside bank footprint)
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• Jumbo and super jumbo loan amounts, up to $3.5 million (limited
states over $2 million)
For primary residences only:
• Up to 95% LTV with mortgage insurance on loan amounts up to
$850,000, 90% LTV with mortgage insurance on amounts up to
$1.5 million, and up to 85% LTV with mortgage insurance on
amounts up to $2 million
• Fixed- and adjustable-rate mortgages; interest-only option
available on select ARMs
• Second homes and investment properties eligible (on select plans)
WHAT DRIVES YOU?
Whether customers are looking for construction-to-permanent nancing, jumbo loans or affordable home loans, our diverse team
understands their needs and we have a full suite of products to support them.
* Portfolio loan programs are available only in select states. Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). Offers may be withdrawn and subject to change without notice. All loans are subject to approval.
Products that are ahead of the curve.
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DIGITAL CAPABILITIES OPERATIONS PRODUCTS
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Construction-to-Permanent Financing
A single-close loan that combines construction and permanent
nancing. Also available for renovations and tear downs.
• Permanent interest rate locked before construction begins
• No reappraisal or re-qualifying at time of completion
• In-house draw team — builder will have same draw colleague from
beginning to end
• One loan qualication and one set of closing costs
• During construction, borrowers only required to make interest
payments calculated on disbursed funds up to 18 months
• Jumbo and super jumbo loan amounts, up to $3 million (limited
states permitted)
• Up to 90% LTV with lender-paid mortgage insurance for loan
amounts up to $1,000,000 (primary residence only)
• Fixed- and adjustable-rate mortgages
• Second homes eligible
Citizens Doctor Loan
A mortgage available to licensed doctors (MD), (MD PHD), (DO), (DDS),
and (DMD). Borrowers must have completed residency within the last
10 years, be a newly licensed medical resident currently in residency,
or begin residency within 60 days of mortgage closing. May also be
self-employed or a medical researcher employed by a major hospital.
• Up to 95% LTV with no mortgage insurance for loan amounts up to
$850,000 (for select states)
• Student loan debt deferred for greater than 12 months from
the date of closing can be excluded from the DTI (40% max. DTI)
• Construction-to-Permanent eligibility — maximum 85% LTV
• Fixed- and adjustable-rate mortgages; interest-only option
available on select ARMs
• Purchase transactions of primary residences only (Rate/Term Re
also eligible for fully amortization non-CTP plans)
Citizens Closing Cost Assistance
• Provides grant funds for down payment and/or closing costs
• Income restrictions
• Must be located in Citizens’ CRA Assessment Area
• Eligible with DHM Plus and HomeReady
Tandem Home Equity Loan or Line of Credit — 80-10-10
Subordinate nancing for purchase and renance transactions in
which Citizens is providing the rst mortgage.
• Closed simultaneously with the rst mortgage
• Helps borrowers avoid mortgage insurance on jumbo loan
amounts
• Second homes eligible
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DIGITAL CAPABILITIES OPERATIONS PRODUCTS
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OTHER PROGRAMS
Co-Op Financing
Loans for the purchase of individual co-operative share units in the
ve boroughs of New York City and the counties of Nassau, Rockland,
Suffolk, and Westchester.
• Fixed- and adjustable-rate mortgages
• Second homes eligible
Non-Warrantable Condo Financing
(Only eligible on select portfolio plans)
Financing for condos that don’t meet minimum eligibility requirements
for a conforming Fannie Mae and Freddie Mac loan.
Citizens offers non-warrantable condo nancing in Connecticut,
Delaware, District of Columbia, Maryland, Massachusetts, Michigan,
New Jersey, New York, Pennsylvania, Virginia, Florida, Ohio and
New Hampshire.
Lock and Shop
Credit approved borrowers can obtain up to a 90-day rate lock, even
before they nd a home.
• A signed purchase-and-sale agreement must be signed within 30
days of rate lock, and loan must close within 90 days of rate lock.
Extended Rate Lock Without Float Down for Purchase Loans
Borrowers can lock in a rate for up to 12 months on Agency xed-
rate and adjustable-rate programs for an upfront fee and up to four
months on portfolio xed products.
Relationship Discounts Reward Your Clients
Citizens’ suite of banking solutions allows you to deepen client
relationships with exclusive rates and discounts.
• Clients get 0.125% off their interest rate simply by setting up
automatic monthly payments from any Citizens Checking account
and enrolling in e-statements.
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• Robust corporate Afnity program features $1,000 credit at closing
on a purchase or renance mortgage loans.
• Best-in-class Private Wealth relationship discounts on most
mortgage product types (Saleable/Portfolio).
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Yasmin G.
CITIZENS HOME MORTGAGE CAREERS APPLY NOW
We value our colleagues as individuals with diverse interests
and unique experiences, providing them with the support,
care and resources to be their best selves — personally and
professionally. Our programs and benets support you in
whatever way you need it, when you need it.
• HEALTH, DENTAL AND VISION COVERAGE — choose from
plans that offer preventative care at no cost
• PARENTAL LEAVE — receive six weeks of 100% paid parental
leave; those who are giving birth and are full-time
colleagues are eligible for 16 weeks of leave
• EMERGENCY BACK-UP CARE — receive up to ve days of
emergency back-up care for children and elderly loved ones
• FLEXIBLE WORK ARRANGEMENTS — collaborate with your
manager to gure out a exible plan that makes sense
for you
• RETIREMENT BENEFITS — save for your future; we match
your contributions up to 4% (plus an annual company
contribution of 1.5% of your salary) after one year of service
WHAT DRIVES YOU?
A benets package that
gives you life.
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Belief in the greater good
Our commitment to creating a diverse, equitable and inclusive
organization extends beyond our walls to encompass the ways we serve
not only our colleagues, but also our customers and the communities
where we live and work.
We’re fostering a culture of inclusion and belonging in our workplace by:
• Increasing transparency and accountability through an internal
diversity scorecard
• Supporting Business Resource Groups that serve as catalysts for
change within Citizens
• Building a more diverse workforce through partnerships with
organizations such as the Association of Latino Professionals for
America, Disability:IN, Four Block, Year Up and Out in Finance
Citizenship is at the heart of who we are, rooted in the belief that when
people and communities reach their potential, we all thrive. We partner
with the National Association of Minority Mortgage Bankers of America,
which is dedicated to the inclusion of minorities and women in the
mortgage industry and who advocate for sustainable homeownership in
local communities.
Our colleagues invest their time, talent, and resources in our
communities and causes that are meaningful to them. In 2023,
colleagues volunteered more than 232,000 hours. We encourage
colleagues to take four hours of paid volunteer time, without utilizing
personal paid time off.
Learn about these efforts and more in our annual Environmental Social
Governance Report here.
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In the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA ,VT, a Citizens consumer checking account set up with automatic monthly payment deduction and e-statement enrollment is required at time of loan origination to be eligible for a
0.125% rate discount. All other states require a consumer checking account set up with automatic monthly mortgage payment deduction. One offer per property. No applicable to Bond or CRA programs. Other exclusions and restrictions may apply.
Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). Offers may be withdrawn and subject to change without notice. All loans are subject to approval.
Equal Housing Lender. © 2024 Citizens Financial Group, Inc. All rights reserved.
Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived disability,
ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/
lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.
Equal Employment and Opportunity Employer/Disabled/Veteran.
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