The 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:** + Provides prompt, courteous and excellent service at an acceptable cost to all customers and operate in accordance with the company's Statement of Business Practices, Affirmative Action Diversity and other standards. + Engages with all entities of Citigroup. Performs credit and property analysis on conventional loan files submitted within the time frame established by departmental management. + Adequately and effectively explains in written and verbal form the decision reached in a manner that will maintain a + positive relationship with all customers. + Performs timely reviews of conditions submitted, as well as loan resubmissions. + Handles higher risk loans. Analyze challenging loan packages to render sound credit solutions. + Provides exemplary customer service to both internal staff and external customer by explaining credit decision and + offering alternative options when needed. + Maintains quality and production standards as defined by business. Perform other job-related duties and special + projects as required. Sr. Underwriters may mentor other Underwriters. + 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:** + 2-5 years related experience + Experience with and knowledge of property and credit underwriting requirements of FNMA, FHLMC, and private mortgage insurance companies + Excellent oral and written communication skills are required + Be able to effectively make decisions in an manner as well as have the availability as a resource advisor for all staff + Good analytical, problem solving, organizational and communication skills are needed **Education:** + Bachelor’s/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Decisions ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Telecommuter California United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $102,530.00 - $143,070.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ **Most Relevant Skills** Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ **Other Relevant Skills** Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation. ------------------------------------------------------ **Anticipated Posting Close Date:** Jun 21, 2025 ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) ._ _View Citi’s EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy) and the Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf) poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.