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Career Opportunity

Sr Home Mortgage Underwriter

Locations: California, Texas, Missouri, Illinois, Arizona, Nevada Job Function: Risk Management Employee Status: Regular Job ID: 20203587

The Credit Underwriter 4 is a developing professional role which integrates in-depth specialty knowledge with a solid understanding of industry standards and practices; demonstrates good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.


  • Reviews/re-underwrites pre-funded and post-closing files for credit quality, data integrity, and adherence to CMI credit policy and investor guidelines.
  • Provides feedback /recommendations via written management summaries on all loans reviewed.
  • Working with the business and identifies training needs and provide detailed analysis on any trends identified.
  • Identifies and document policy/process variations and work with Operations to provide both written and verbal feedback, and training/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/integrity of loans purchased/underwritten by CMI.
  • Assesses the level of risk associated with each loan on a transaction basis, forwarding referrals, as necessary, to the Fraud Prevention and Investigation Unit, Vendor or Collateral Risk Management, as well as the Repurchase unit.
  • Interfaces with Risk Management, Origination and/or Credit Policy staff, when applicable, or directed to resolve issues.
  • Performs other duties and functions as assigned.
  • Appropriately assess risk when business decisions are made, demonstrating particular 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 regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.


  • 5-10 years years related experience preferred
  • 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 ability to communicate at all levels
  • Thorough knowledge of credit scoring, analytical problem-solving and negotiation skills.


 High School Diploma required

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

This is a telecommuter position and we will consider candidates beyond the states listed"


Grade :


Time Type :


Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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