Job Description

The Home Mortgage Credit Underwriter III 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 Home Mortgage 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.

* Qualifications:
* A minimum 2 plus years of experience underwriting agency, non-agency, Mortgage Insurance loans and appraisals preferred
* Experience and knowledge of FNMA, FHLMC ,and Private Mortgage insurance property and credit underwriting guidelines.
* Strong understanding of complicated transactions and tax return analysis.
* Experience effectively and independently making credit decisions and providing underwriting support to other business functions.
* Excellent communication, analytical, decision-making, and computer skills required.
* Knowledge and experience reviewing mortgage applications according to the US mortgage regulations.
* Review and analyze loan applications, credit reports, appraisals, income, and asset documentation according to agency and non-agency guidelines and mortgage regulations.
* Effectively communicate and explain credit decisions to loan officers and processors.
* Perform timely reviews of conditions submitted as well as loan re-submissions.
* Maintain credit quality and production standards as defined by business.
* Provide a remarkable customer service experience to both internal staff and external customers.
* Actively cooperate and interact with all entities of Citigroup.
* Perform other job-related duties and special projects as required.
Education:
* Bachelors/University degree or equivalent experience
* High school diploma

* This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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