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Career Opportunity

Credit Underwriter 3

Locations: San Francisco, California Job Function: Risk Management Employee Status: Regular Job ID: 19120119

This is a remote opportunity that can be worked from home.


  • 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 resubmissions. 
  • 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. 
  • Excellent communication, analytical, decision-making, and computer skills required.

  • High school diploma, Bachelor’s degree preferred
  • A minimum of 4-6 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.
  • Knowledge and experience reviewing mortgage applications according to the US mortgage regulations.

This position will primarily support the Pacific time zone in the United States. Shifts may be required to work as late as 7 pm PT and will be discussed in detail in the interview process.


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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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