WHAT DRIVES YOU? - Radancy

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COVERINTROABOUT USCULTURERESOURCESCOMPENSATIONCOMMUNITYWHAT DRIVES YOU?CITIZENS HOME MORTGAGE CAREERSSarandon D.

COVERINTROABOUT USCULTURERESOURCESCOMPENSATIONCOMMUNITYWHAT DRIVES YOU?AN ENVIRONMENT INVESTEDIN YOUR BEST INTERESTSAt Citizens, we strive to help our customers, colleagues andcommunities reach their potential. No matter what drivesyou and your career, we support your goals with a culturethat encourages mentoring and empowers you to put yourideas into action. In addition to your career, we continuouslylook for ways to improve and grow our business, whetherin our customer experience or technology. And we alwaysremember that when our communities thrive, we succeed.With people like you, we’re made ready to do great things —now and in the future.Apply NowAnne S.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW2

COVERINTROWHO WE AREABOUT USWHERE WE Citizens started out as a small community bank foundedin 1828. By 2015, we successfully completed the largestcommercial bank IPO in U.S. history.Our headquarters is in Providence, R.I., and we have a largebranch and ATM network across our footprint. We offer awide variety of banking products and services to a diversecustomer base.No matter how large Citizens grows, we remember our roots —to help customers by listening and understanding their needsin order to offer tailored advice, ideas and solutions. That’sbecause we raise families, pay mortgages, and have financialgoals, too.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW3

COVERINTROWHO WE AREABOUT USWHERE WE As a federally chartered bank, Citizens hasa nationwide reach for Agency lending. Ourportfolio lending services are available in thehighlighted states below.WITHINFOOTPRINTOUT OFFOOTPRINT ConnecticutDelawareFlorida MarylandMassachusettsMichiganNew HampshireNew JerseyNew YorkOhioPennsylvaniaRhode IslandVermont VirginiaWashington, aineMissouriNorth CarolinaSouth CarolinaTennesseeTexasWest Virginia*CITIZENS HOME MORTGAGE CAREERSAPPLY NOWAs of May 20224

COVERINTROWHO WE AREABOUT USWHERE WE WHAT DRIVES YOU?LEADERSHIP IN YOUR CORNERI’m glad you’re considering a career with us. When I first joinedCitizens, it was invigorating to be part of a brand that is growingand continuously improving.I have worked in the mortgage industry for more than 15 yearsand have always been passionate about helping people duringone of the most important milestones of their lives — purchasinga place they’ll call home.We’re partnering with great people like you who can share ourvision for the future and to create an exceptional experiencefor customers and prospects. In doing so, we’re committed tohelping your career be the one you’ve always wanted.Citizens is making significant investments to build a world-classMortgage business and you can help make a big impact. There’sa buzz about us in the industry unlike ever before. With a strongdigital strategy, a focus on our talent, and a clear support acrossthe organization to help us serve our customers, Citizens isready to make a difference.I look forward to welcoming you to the team,Eric J. SchuppenhauerHead of Consumer LendingCITIZENS HOME MORTGAGE CAREERSAPPLY NOW5

COVERINTROWHO WE AREABOUT USCHACE GUNDLACH,National Sales DirectorSonu joined Citizens inApril 2018 with more than19 years of mortgageindustry experienceand held various seniorleadership roles atCapital One and ChevyChase Bank. He leadsour Retail and WholesaleMortgage channels, whichhave more than 1,200mortgage professionals.Prior to joining Citizensin December 2008, Chacewas a Regional Managerat JP Morgan Chase for18 years. He brings morethan 30 years of industryexperience and managesthe Retail Loan OfficerSales E WE ARESONU MITTAL,Head of Home MortgageCITIZENS HOME MORTGAGE CAREERSCULTUREACE WATANASUPARP,National Directorof Strategic SalesSTEVE FAIVRE,National Sales Director –VirtualMARY ANN CALLAHAN,Retail OperationsDirectorAce joined Citizensin March 2015 withmore than 18 yearsof mortgage industryexperience and heldleadership positionsat Douglas Elliman,Wells Fargo, and Bankof America. Ace isresponsible for growingthe sales teams, drivingretention strategies, andinternal partnershipsbetween Mortgage,Wealth Management, andthe Retail bank.Steve joined Citizensin May 2018 and hasmore than 17 years inthe mortgage industry.Prior to joining Citizens,Steve worked for Bankof America, Wells Fargoand Capital One. Stevemanages the Virtual LoanOfficer Sales teams.Mary Ann joinedCitizens in September2021 and has 35 yearsof consumer lendingexperience includingmore than 20 years inmortgage operations,sales, servicing andloss mitigation. Prior tojoining Citizens, Mary Annheld leadership positionsat Bank of America, PNC,and JP Morgan Chase.She is responsiblefor Mortgage RetailOperations.APPLY NOW6

COVERINTROABOUT USCULTURERESOURCESCOMPENSATIONCOMMUNITYWHAT DRIVES YOU?ADVANCING YOUR CAREER IN STRIDESOur mission is to help our customers reach their potentialand to exceed their expectations by providing the best possiblecustomer experience.From the first conversation and even after closing, our colleaguesare focused on meeting our customers’ needs. Likewise, we arefocused on our colleagues’ needs from support during every stepof closing to support in your personal life and goals.It starts with customer relations training. This program willhelp you learn or refresh best practices for building strongrelationships and delivering a great experience. During themortgage application process and beyond, you’ll have directaccess 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.Human RightsCampaignBest Placesto Work forLGBTQEqualityMilitaryFriendly EmployerMReport Top 25Company toWork ForBAI GlobalInnovationAwardAce W.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW7

COVERINTROABOUT USCULTUREDIGITAL TYPRODUCTSWHAT DRIVES YOU?MODERN PRODUCTS LATEST TECHTO KEEP YOU PRODUCTIVEWe invest in industry-leading technology, marketing and leadgeneration platforms to help you grow and serve your customerbase and connect with Realtor partners. Here are just a few ofthe ways we help you sharpen your competitive edge:Salesforce CRM platformthat allows efficient leadmanagementAn online hub thatsimplifies constructionloan management andreportingIndividual,personalized websitesfor self marketingNew mortgage applicationsystem and loan originationsystemsCITIZENS HOME MORTGAGE CAREERSAPPLY NOW8

COVERINTROABOUT USCULTUREDIGITAL TYPRODUCTSWHAT DRIVES YOU?COLLABORATION SMOOTH OPERATIONA collaborative team ensures that your transactions are apriority and that your loan closings happen on time. That’swhy we work in pod structures — a loan officer, processor,underwriter and closer work as a team from start to finish forevery loan application. This teamwork makes us ready to workfaster, smarter and smoother.There’s even more that makes our operations team so great:Cathy R. Loan officers build a strong relationship with theirdedicated processor. Our paperless process helps the team to be more efficient. With load balancing, there are no disruptions or delays inthe loan process. We have a preflight process with our Portfolio team — loanofficers can send scenarios before formally submitting aloan to determine the likelihood of an exception. Each member of our leadership team averages 20-plusyears of industry experience. Regionalized in-house operation centers support the teamand are located in Franklin, Tenn., Melville, N.Y., Providence,R.I., Richmond, Va., and Marlton, N.J.NameTitleCITIZENS HOME MORTGAGE CAREERSAPPLY NOW9

COVERINTROABOUT USCULTUREDIGITAL TYPRODUCTSWHAT DRIVES YOU?PRODUCTS THAT ARE AHEAD OF THE CURVEWhether customers are looking for Construction-to-Permanent financing, Jumbo Loans or your everyday mortgage, our diverse teamunderstands their needs and we have a full suite of products to support them.AGENCYConforming ProductsStandard loan amounts up to 97% LTV including HomeReady (low tomoderate income) High balance loan amounts up to 95% LTV All occupancy/LTV parameters follow Fannie Mae without overlays Occupancy types follow FHAGOVERNMENTFHA ProductsStandard and Jumbo Loan amounts follow FHA parameters Up to 96.5% LTV Secondary financing from HUD-approved entity permitted Fixed-rate products occupancy types follow FHAVA ProductsLoan amounts up to 2 million Fixed-rate products No/low down payment options for qualified veterans Gift funds from acceptable sources allowed toward closing costs,down payment, and/or cash reserves Fixed-rate mortgages for primary residences only Seller concessions permittedPORTFOLIO*Portfolio Jumbo LoansFinancing at competitive interest rates for loan amounts over 647,200 ACH discount of 0.125% to the rate (in and outside bank footprint) Jumbo and super jumbo loan amounts, up to 3 million (limitedstates over 2 million)For primary residences only: Up to 95% LTV with no mortgage insurance on loan amounts up to 850,000 for medical professionals 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 onamounts up to 2 million Fixed- and adjustable-rate mortgages; interest-only optionavailable on select ARMs Second homes and investment properties eligible (on select plans)* Portfolio loan programs are available only in CT, DC, DE, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV. Mortgages are offered and originated by Citizens Bank, N.A. Citizens is a brand name of Citizens Bank, N.A. (NMLS ID# 433960). Offers may be withdrawn and subjectto change without notice. All loans are subject to approval.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW10

COVERINTROABOUT USCULTUREDIGITAL CAPABILITIESConstruction-to-Permanent FinancingA single-close loan that combines construction and permanentfinancing. 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 frombeginning to end One loan qualification and one set of closing costs During construction, borrowers only required to make interestpayments calculated on disbursed funds up to 18 months Jumbo and super jumbo loan amounts, up to 3 million (limitedstates permitted) Up to 90% LTV with lender paid mortgage insurance for loanamounts up to 1,000,000 (primary residence only) Fixed- and adjustable-rate mortgages Second homes eligibleCitizens Doctor LoanA mortgage available to licensed doctors (MD), (DO), (DDS), and(DMD). Borrowers must have completed residency within the last 10years, be a newly licensed medical resident currently in residency, orbegin residency within 60 days of mortgage closing. May also be selfemployed 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 thedate 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 optionavailable on select ARMsCITIZENS HOME MORTGAGE CAREERSAPPLY S P urchase transactions of primary residences only (Rate/Term Refialso 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 HomeReadyDestination Home Mortgage Plus (DHM Plus)A conventional portfolio product with competitive interest ratesdesigned to support the community lending efforts of Citizens.Subject to funds availability. Income and property limits apply. Up to 97% LTV; up to 105% financing with approved communitysecond No monthly mortgage insurance Low cash reserve Fixed-rate mortgages for primary residences only Closing cost assistance/grant eligibility Seller contributions allowedTandem Home Equity Loan or Line of Credit — 80 -10 -10Subordinate financing for purchase and refinance transactions inwhich Citizens is providing the first mortgage. Closed simultaneously with the first mortgage Helps borrowers avoid mortgage insurance on jumbo loanamounts Second homes eligible11

COVERINTROABOUT USCULTUREDIGITAL TYPRODUCTSOTHER PROGRAMSCo-Op FinancingLoans for the purchase of individual co-operative share units in thefive boroughs of New York City and the counties of Nassau, Rockland,Suffolk and Westchester. Fixed- and adjustable-rate mortgages Second homes eligibleRate Protector Program (Only permitted on purchases)Available on fixed- and adjustable-rate programs as well as portfolioadjustable-rate agency programs, lock up to 360 days for an upfrontfee that is applied at closing. Borrowers may exercise a one-time float down to market rates,should rates improve. Loan must be approved and closed within 60 days of float down.Non-Warrantable Condo Financing(Only eligible on select portfolio plans)Financing for condos that don’t meet minimum eligibilityrequirements for a conforming Fannie Mae and Freddie Mac loan.Citizens offers non-warrantable condo financing in Connecticut,Delaware, District of Columbia, Maryland, Massachusetts, New Jersey,New York, Pennsylvania and Virginia.Extended Rate Lock Without Float Down for Purchase LoansBorrowers can lock in a rate for up to 12 months on Agency fixed-rateand adjustable-rate programs for an upfront fee and up to four monthson portfolio fixed products.Lock and ShopCredit approved borrowers can obtain up to a 90-day rate lock, evenbefore they find a home. A signed purchase-and-sale agreement must be signed within30 days of rate lock and loan must close within 60 days of rate lock.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW12

COVERINTROABOUT USCULTURERESOURCESCOMPENSATIONCOMMUNITYWHAT DRIVES YOU?A BENEFITS PACKAGE THATGIVES YOU LIFEWe value our colleagues as individuals with diverse interestsand unique experiences, providing them with the support,care and resources to be their best selves — personally andprofessionally. Our programs and benefits support you inwhatever way you need it, when you need it.Yasmin G. HEALTH, DENTAL AND VISION COVERAGE — choose fromplans that offer preventative care at no cost P ARENTAL LEAVE — receive two weeks of 100% paid parentalleave; birth mothers who are full-time colleagues areeligible for 10 weeks of leave EMERGENCY BACK-UP CARE — receive up to five days ofemergency back-up care for children and elderly loved ones F LEXIBLE WORK ARRANGEMENTS — collaborate with yourmanager to figure out a flexible plan that makes sensefor you R ETIREMENT BENEFITS — save for your future; we matchyour contributions up to 4% (plus an annual companycontribution of 1.5% of your salary) after one year ofservice**Colleagues with earnings of more than 500k are not eligible for the match.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW13

COVERINTROABOUT USCULTURERESOURCESCOMPENSATIONCOMMUNITYWHAT DRIVES YOU?GIVING BACK MAKING A DIFFERENCEWhen our bank was founded, we started with an idea: A goodbank gives back to the community and the people who live there.We are Citizens helping citizens to fight hunger, learn moneymanagement and strengthen our communities.We have a passion for making a difference, and it shows. Ourcolleagues volunteered more than 154,000 hours in 2021.Not only do we volunteer and donate to charities, we also sponsorevents that help our communities thrive. We give to theaters,festivals, sports teams and more.Our leadership team is dedicated to creating a culture thatembraces diversity and inclusion and is proud to partner with anumber of minority-owned businesses. One of our partnershipsis with the National Association of Minority Mortgage Bankersof America, which is dedicated to the inclusion of minoritiesand women in the mortgage industry and who advocate forsustainable homeownership in local communities.We sponsor and partner with these great organizations and more.CITIZENS HOME MORTGAGE CAREERSAPPLY NOW14

Mortgages are offered and originated by Citizens Bank, N.A. Citizens Bank is a brand name of 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. 2022 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 mentaldisability 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, militaryor 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.1734855 HR22 Mortgage Brchr

CITIZENS HOME MORTGAGE CAREERS 6APPLY NOW SONU MITTAL, Head of Home Mortgage Sonu joined Citizens in April 2018 with more than 19 years of mortgage industry experience and held various senior leadership roles at Capital One and Chevy Chase Bank. He leads our Retail and Wholesale Mortgage channels, which have more than 1,200 mortgage professionals.

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