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The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

Correspondent Underwriter 3 (Nationwide Telecommuter)

Job ID 20216027 Primary Location O'Fallon, Missouri, Belleville, Michigan, Missouri, Michigan; Job Category Risk Management
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The underwriter underwrites mortgage loans ensuring compliance with appropriate company and secondary market investor standards. This position is responsible for evaluating loans in order to maximize organizational profit and minimize risk or loss by examining loan documentation for accuracy and completeness. This position requires the underwriter to collaborate with Correspondent lenders and multiple lines of businesses within Citi.


  • Ability to work in fast-paced operations center, meeting all production and quality expectations.
  • Calculate income using documentation required per investor, including complex self-employed tax return analysis.
  • Review and analyze credit reports, assets and other financial documents according to specific investor requirements.
  • Review appraisals to ensure value is supported and that the appraiser has provided complete and accurate commentary.
  • Perform timely review and validation of suspense conditions submitted by the lender. This will include any documentation presented in the loan origination process through the purchase of the loan.
  • Ability to effectively communicate credit decisions with Correspondents, Account Executives and any partners.
  • Computer skills and flexibility to work in multiple systems a must, as data integrity is critical.
  • FHA and VA requirements a plus.


  • A minimum of 1-2 years of experience underwriting agency (DU/LP) or 5 years related mortgage originations experience


  • Bachelor’s/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.


Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

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