• Oversee daily underwriting operations, including pipeline management and escalations • Work with cross-functional teams (sales/originations, processing) to support underwriting decisions and improve processes • Mentor underwriter team and contribute to training performance • Responsible for overseeing a team of quality control Underwriters that perform quality checks and reviews to ensure loans purchased are of high quality and meet the Bank's standards and guidelines • Quality reviews include re-underwriting of loans to validate income, debts, loan to value and other key data elements • Oversee and manage third party vendors that perform underwriting and compliance reviews, to ensure good work quality and timelines are met • Manage pipelines to deliver on established SLA's, and exceed customer expectations • Review and approve exception requests and scenarios, decision will be based on strong compensating factors • Ensure responses are timely • Review and approve customized guidelines submitted by customers • Perform market analysis and comparisons • Present recommendations to senior managers and sales team • Provide process improvement recommendations that will streamline our processes and improve the customer experience

Overview We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation. We are proud to say PRMG has one of the most aggressive bonus structures for Underwriters in the industry. Our Bonus structure has allowed some of our underwriters to double their base salary per year. Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth. PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG’s Internal and External Job Portal to request a transfer to a different department or position. Responsibilities Mortgage Underwriter Responsiblities - Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines. - Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product. - Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center. - Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation. - Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions. - Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing. - Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager. - Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files. - Responds to post closing reviews and audits in a timely fashion. - Performs related duties, as directed by Underwriter or Operations Manager. Qualifications Mortgage Underwriter Qualifications - Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines. - Experience Underwriting private investor and private mortgage insurance guidelines. - Strong interpersonal-communication and business-relationship skills. - Detail oriented with strong organizational and follow-through skills. - Excellent analytical, written communication and verbal communication skills. - Technologically proficient. - Bachelor’s degree in related field or equivalent professional experience. At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. Min USD $85,000.00/Yr. Max USD $95,000.00/Yr.

Overview We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation. We are proud to say PRMG has one of the most aggressive bonus structures for Underwriters in the industry. Our Bonus structure has allowed some of our underwriters to double their base salary per year. Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth. PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG’s Internal and External Job Portal to request a transfer to a different department or position. Responsibilities Mortgage Underwriter Responsiblities - Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines. - Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product. - Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center. - Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation. - Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions. - Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing. - Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager. - Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files. - Responds to post closing reviews and audits in a timely fashion. - Performs related duties, as directed by Underwriter or Operations Manager. Qualifications Mortgage Underwriter Qualifications - Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines. - Experience Underwriting private investor and private mortgage insurance guidelines. - Strong interpersonal-communication and business-relationship skills. - Detail oriented with strong organizational and follow-through skills. - Excellent analytical, written communication and verbal communication skills. - Technologically proficient. - Bachelor’s degree in related field or equivalent professional experience. At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. Min USD $85,000.00/Yr. Max USD $105,000.00/Yr.

The Credit Underwriter OE is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Responsibilities: - Reviews loan submissions for credit judgment and credit worthiness, documentation, ability to pay calculations, loan to value calculations and other functions relating to the credit decision process of the field network. - Handles resubmissions on amended loan request, respond to phone inquires regarding decisions made, policy questions and aid in training various visitors that come to Home Office Credit. - Approves subordination agreements - Other duties 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. Qualifications: - 0-2 years related experience - excellent analytical and problem solving skills Education: - 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 Risk------------------------------------------------------ Time Type: Full time------------------------------------------------------ Primary Location: Telecommuter North Carolina United States------------------------------------------------------ Primary Location Full Time Salary Range: $67,880.00 - $94,720.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ Anticipated Posting Close Date: Mar 17, 2026------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their 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 and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.