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Sr Home Mortgage Credit Underwriter 4

Locations: Jacksonville, Florida, California, Texas, Tennessee, Missouri, Michigan, Arizona, New York, New York Job Function: Risk Management, Mortgage, Underwriter Employee Status: Regular Job ID: 20205685

This is a telecommuter/remote position.  Candidate will support Central and Eastern time zones, however all time zones are being considered.

The Credit Underwriter 4

  • Perform credit decisions and appraisal analysis on conventional loan files within business service level agreements.


Responsibilities:

  • Review and analyze loan applications, credit reports, appraisals, income, and asset documentation according to agency and non-agency guidelines and mortgage regulations.
  • Effectively communicate and explain credit decisions to loan officers and processors.
  • Perform timely reviews of conditions submitted as well as loan re-submissions. 
  • Maintain credit quality and production standards as defined by business.
  • Provide a remarkable customer service experience to both internal staff and external customers.
  • Actively cooperate and interact with all entities of Citigroup.
  • Perform other job-related duties and special projects as required.


Qualifications:

  • A minimum of 8-10 years of experience underwriting agency, non-agency, Mortgage Insurance loans and appraisals.
  • Experience and knowledge of FNMA, FHLMC ,and Private Mortgage insurance property and credit underwriting guidelines.
  • Strong understanding of complicated transactions and tax return analysis.
  • Experience effectively and independently making credit decisions and providing underwriting support to other business functions.
  • Excellent communication, analytical, decision-making, and computer skills required.
  • Knowledge and experience reviewing mortgage applications according to the US mortgage regulations.
  • Education:
  • High school diploma. 
  • Degree preferred. 


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

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    Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - US

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    Time Type :Full time

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

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