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The Associate Credit Analyst position is a pivotal role, serving as the dedicated single point of contact for Correspondent Lending clients. The primary goal of the Associate Credit Analyst is assisting the Correspondent Lenders in clearing suspense conditions and identifying bottlenecks that would delay their pipelines from being purchased timely. This critical position significantly contributes to maintaining Citibank's commitment to superior credit quality, an outstanding customer experience, and operational excellence. It requires a highly detail-oriented individual with strong problem-solving abilities, exceptional communication skills, and a dedication to client advocacy in a fast-paced lending environment.
Job Responsibility:
Serve as a single point of contact for Correspondent Lenders, providing guidance and support throughout the suspense condition resolution process
Review and clear income, asset, and credit documentation submitted to address suspense conditions in accordance with both Agency and Non-Agency guidelines
Monitor, maintain, and manage a daily pipeline, ensuring adherence to service level agreements and timely completion of reviews
Review mortgage documentation from application through closing with comprehensive knowledge of the end-to-end origination process
Ensure compliance with regulatory requirements, including RESPA and TILA
Deliver exceptional customer service by working rebuttals, escalations and scenarios submitted by the Correspondent Lender
Support Account Executives by contributing to client-relationship strategies and maintaining strong working partnerships with Correspondent Lenders
Complete a pre-funding review to assist with purchasing loans
Maintain production and quality standards as defined by the business
Requirements:
Minimum 3 years of mortgage industry experience
Experience with FNMA and FHLMC underwriting requirements
Strong written and verbal communication skills
Ability to manage competing priorities in a fast-paced environment
High attention to detail and strong analytical skills
Bachelor’s/University degree or equivalent experience
What we offer:
medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
discretionary and formulaic incentive and retention awards