Credit Underwriter
Location
United States
Posted
35 days ago
Salary
$95.4K - $133.1K / year
Seniority
Mid Level
No structured requirement data.
Job Description
Credit Underwriter
Citi
Role Description The Credit Underwriter is a developing professional role which integrates in-depth specialty knowledge with a solid understanding of industry standards and practices. This role demonstrates a good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/job family. Key responsibilities include: - 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. - Works with the business to identify training needs and provides detailed analysis on any trends identified. - Identifies and documents policy/process variations and collaborates with Operations to provide 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 transactional 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, Originations and/or Credit Policy staff, when applicable, to resolve issues. - Performs other duties and functions as assigned. - Appropriately assesses risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets. Qualifications - 2-5 years related experience. - 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, with the ability to communicate at all levels. - Thorough knowledge of credit scoring, analytical problem-solving, and negotiation skills. - Bachelor’s/University degree or equivalent experience. Requirements - This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. Benefits - Competitive employee benefits, including medical, dental & vision coverage. - 401(k) plan. - Life, accident, and disability insurance. - Wellness programs. - Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. Company Description 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.
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