Senior Underwriter 4 – Mortgages

This is a fully remote position, open to applicants in Florida, +2 more states.

📋 Description

• Evaluates and re-evaluates pre-funded and post-closing files to ensure credit quality, data integrity, and compliance with CMI credit policies and investor guidelines.

• Offers feedback and recommendations through written management summaries for all reviewed loans.

• Collaborates with the business to identify training needs and provides in-depth analysis on any identified trends.

• Identifies and documents variations in policy/process, working closely with Operations to offer both written and verbal feedback, as well as necessary training and mentoring opportunities.

• Engages directly with all levels of internal originations and credit policy personnel, along with external customers (Correspondent lenders), to uphold exceptional customer service while ensuring the quality and integrity of loans purchased or underwritten by CMI.

• Evaluates the risk level associated with each loan on a case-by-case basis, forwarding referrals as needed to the Fraud Prevention and Investigation Unit, Vendor or Collateral Risk Management, and the Repurchase unit.

• Collaborates with Risk Management, Originations, and/or Credit Policy staff as required or instructed to resolve issues.

• Performs additional duties and responsibilities as assigned. Appropriately assesses risk in business decision-making, with a focus on preserving the firm's reputation and safeguarding Citigroup, its clients, and assets by ensuring compliance with relevant laws, regulations, and policies, exercising sound ethical judgment in personal conduct and business practices, and addressing, managing, and reporting control issues transparently.

⛳️ Requirements

• 5-8 years of relevant experience.

• Experience in conventional underwriting.

• FHA/VA designation is preferred.

• Comprehensive understanding of CMI underwriting policies, as well as agency and secondary market underwriting and document requirements.

• Exceptional written and verbal communication skills, with the ability to engage at all levels.

• Extensive knowledge of credit scoring, along with strong analytical problem-solving and negotiation skills.

🏝️ Benefits

• Medical, dental, and 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.