[Remote] Officer - Senior Underwriter 4 - Mortgages

July 16, 2026

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Note: The job is a remote job and is open to candidates in USA. Citi is a global financial services company, and they are seeking a Senior Underwriter for their Mortgages division. The role involves reviewing and re-underwriting mortgage files, providing feedback and recommendations, and ensuring adherence to credit policies while maintaining excellent customer service.

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 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

Skills

5-8 years related experience
Conventional underwriting experience
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

Benefits

Discretionary and formulaic incentive and retention awards
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

Company Overview

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. It was founded in 1812, and is headquartered in San Antonio, Texas, USA, with a workforce of 10001+ employees. Its website is

Company H1B Sponsorship

Citi has a track record of offering H1B sponsorships, with 574 in 2026, 1386 in 2025, 849 in 2024, 1375 in 2023, 1117 in 2022, 876 in 2021, 901 in 2020. Please note that this does not guarantee sponsorship for this specific role.

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