Officer - Senior Underwriter 4 - Mortgages

Single PositionExplore a Career With UsView All JobsRemoteOfficer - Senior Underwriter 4 - MortgagesMUNICIPALITY, Michigan, United States of America +4 moreNo longer accepting applications.Job ID26974898Date posted06/30/2026DepartmentRisk ManagementThe Credit Underwriter is a developing professional role which integrates in-depth specialty knowledge with a solid understanding of industry standards and practices; demonstrates good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.Responsibilities: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 opportunitiesas 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.Qualifications:5-8 years related experienceConventional 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 levelsThorough knowledge of credit scoring, analytical problem-solving and negotiation skills.Education:Bachelor’s/University degree or equivalent experienceThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. This site uses only strictly necessary cookies to perform basic functions. You may adjust the settings of your internet browser to reject or block all cookies or trackers, but doing so may affect how the website functions. This website is hosted by an external service provider and all cookies are controlled and configured by Citi. For detailed information please read our Citi Careers Cookie Policy.I have read the cookie notice