Officer - Senior Underwriter - Mortgages

The Credit Underwriter is a developing professional role that integrates in-depth specialty knowledge with industry standards and practices. The role requires analytical thinking, data analysis tools and the ability to communicate complex information effectively. It has a moderate direct impact through close contact with the businesses’ core activities, and the quality and timeliness of service influence the effectiveness of the team and related groups.

• Reviews and re‑underwrites pre‑funded and post‑closing files for credit quality, data integrity, and adherence to CMI credit policy and investor guidelines.
• Provides feedback and recommendations via written management summaries on all loans reviewed.
• Works with the business to identify training needs and provides detailed analysis of any trends identified.
• Identifies and documents policy/process variations and works with Operations to provide written and verbal feedback, training and mentoring opportunities as needed.
• Interfaces directly with all levels of internal originations and credit policy staff, as well as external customers (Correspondent lenders) to maintain excellent customer service while ensuring the quality and integrity of loans purchased and underwritten by CMI.
• Assesses the level of risk associated with each loan on a transactional basis, forwarding referrals as necessary to the Fraud Prevention and Investigation Unit, Vendor or Collateral Risk Management, and the Repurchase unit.
• Interfaces with Risk Management, Originations, and/or Credit Policy staff when applicable or directed to resolve issues.
• Performs other duties and functions as assigned.
• Appropriately assesses risk when business decisions are made, demonstrating consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets by driving compliance with applicable laws, rules, and regulations, adhering to policy, applying sound ethical judgment, and escalating, managing and reporting control issues with transparency.

• 5-8 years of related experience.
• Conventional underwriting experience; FHA/VA designation preferred.
• Thorough knowledge of CMI underwriting policy, as well as agency and secondary market underwriting and document requirements.
• Excellent written and oral communication skills and the ability to communicate at all levels.
• Strong knowledge of credit scoring, analytical problem‑solving, and negotiation skills.

• Bachelor’s degree or university degree, or equivalent experience.

This job description provides a high‑level review of the types of work performed. Other job‑related duties may be assigned as required.

Telecommuter, Michigan, United States

$89,010.00 – $

Citi offers competitive employee benefits, including medical, dental and vision coverage; 401(k); life, accident and disability insurance; and wellness programs. Paid time off packages include vacation, sick leave and paid holidays.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools or apply for a career opportunity, please contact our Accessibility team.

View Citi’s EEO Policy Statement and the Know Your Rights poster.