Credit Underwriting Analyst 1

The Credit Underwriting Analyst is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related 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. 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.

Responsibilities:
• 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 resubmissions.
• Maintain credit quality and production standards as defined by business.
• Provide a remarkable customer service experience to both internal staff and external customers.
• Consitently cooperate and interact with all entities of Citigroup.
• Perform other job-related duties and special projects as required.
• Excellent communication, analytical, decision-making, and computer skills required.
• 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.