Credit Underwriter

• 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.
• Working with the business and identifies training needs and provide detailed analysis on any trends identified.
• Identifies and document policy/process variations and work with Operations to provide both written and verbal 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, or directed to resolve issues.
• Performs other duties and functions 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.

• 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, and ability to communicate at all levels
• Thorough knowledge of credit scoring, analytical problem-solving and negotiation skills.
• Bachelor’s/University degree or equivalent experience

FHA/VA designation preferred

• 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