Senior Credit Underwriting Manager

Role Overview

• Lead and supervise team of mortgage underwriters, providing coaching, performance feedback, and addressing developmental opportunities.
• Effectively manage a pipeline of loans that include multiple loan programs and products to meet service level agreements, working with other teams as needed for load leveling.
• Collaborate with other departments such as sales, Collateral Risk management and Counter party risk to facilitate a smooth loan process and remediate escalations as needed.
• Track key performance indicators related to loan volume, decision rates, and quality standards to identify areas of improvement.
• Identify and mitigate potential risks associated with loan applications, ensuring compliance with regulatory standards and company guidelines.
• Stay abreast of investor policy changes, updates to underwriting guidelines and federal regulations and disseminate changes to the team, ensuring understanding.
• Develop and maintain procedures and tracking to capture daily processes (ARCMs).
• Identify breaks in systems or processes and escalate as appropriate for timely resolution.
• Assist with Corrective Action Plans and remediation projects when breaks are identified in processes.
• Support and assist with exams and audits as needed.
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets, by driving compliance with applicable laws, rules and regulations.
• Adhere to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing, and reporting control issues with transparency.
• Perform other duties and functions as assigned.
• Leverage underwriting signature authority as needed to support pipeline.

Requirements

• 6-10 years previous credit analysis experience required
• Previous commercial credit authority preferred
• Good corporate and merchant credit and exposure analysis skills
• Previous demonstrated ability to understand and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite commercial credit requests is required

Benefits

• 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