Credit Analyst Jobs

About The Position

Requirements

• 5 years Mortgage Underwriting or 6-10 years Mortgage Processing required.
• Expertise in Credit Fundamentals, Credit Policy and Mortgage Lending Programs required.
• Proficient in Mortgage loan origination systems (LoanFX / Empower).
• Comprehensive knowledge of Mortgage process and origination system and understanding of multiple areas within business functions and how they interact to achieve the objectives.
• Ability to work independently with strong attention to detail and accuracy.
• Excellent organizational skills, multi-tasking capabilities, and the ability to complete assignments within required deadlines in a fast-paced environment.
• Strong analytical and quantitative skills to filter, prioritize and validate complex material.
• Individual must work well under tight deadlines, manage priorities, and complete assigned tasks with minimal management follow up.
• Consistently demonstrate clear and concise written and verbal communication.
• Proficiency in MS Office product suite.

Nice To Haves

• Analytical Thinking
• Credible Challenge
• Governance, Policy, Procedure, and Regulation
• Portfolio Analysis
• Risk Management Lifecycle

Responsibilities

• Participate in developing and optimizing Decision Select conditions, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes, and other related initiatives.
• Design, develop, and execute testing in lower-level environments of vendor system releases, proprietary automated underwriting system (AUS), and credit bureau requirements.
• Monitor and analyze daily reporting of Mortgage Production incidents and UAT Defects, serving as an escalation point of contact.
• Collaborate cross-functionally to resolve issues within in-business Risk and Originations.
• Strengthen strategic impact by effective optimization utilizing risk automation to support mortgage loan origination system(s) and process efficiencies.
• Drive and maintain stability of risk automation through testing of vendor and strategic initiatives affecting Citi’s internal fulfillment, external customers, and AUS recommendations.
• Monitor and report on test execution process and results.
• Communicate cross-functional requirements and understanding of business processes and workflow.
• Collaborate in identifying process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations.
• Understand Citi’s approach to managing risk, as described in its Risk Governance Framework, and how it relates to roles and responsibilities.
• 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, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing, and reporting control issues with transparency.
• Ensure escalation of all risks and issues to manager and senior stakeholders in a timely manner.

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