Credit Underwriting Sr Manager

The Credit Portfolio Senior Manager is a senior management-level position responsible for accomplishing results through the management of a team supporting U.S. Residential Real Estate Mortgage Operations by the review and completion of condominium project reviews and cooperative reviews. The overall objective of this role is to ensure the seamless delivery of support services in alignment with Citi operations’ support infrastructure and processes.

Responsibilities:

• Lead and manage a team of analysts, through the delegation of tasks and responsibilities, providing guidance and support on condominium and cooperative reviews in support of mortgage underwriting for Retail, Home Equity, Wealth and Correspondent channels.
• Ensure all condo projects and cooperatives adhere to Citi, Fannie Mae, and Freddie Mac lending guidelines.
• Monitor daily queue dashboard and production reports and address production and/or pipeline management issues, serving as an escalation point of contact for these and SLA related issues with the goal of elevating customer experience.
• Act as the primary subject matter expert for all condominium and cooperative related inquiries across Sales, Underwriting, Processing, Credit Policy, Investor Relations, Repurchase, Post Close, and Correspondent teams.
• Conduct monthly audits of condo / co-op reviews to maintain adherence to standards and procedures as well as agency policy and regulatory requirements.
• Collaborate with Credit Policy to develop and update condo / co-op lending guidelines.
• Serve as the primary liaison with Fannie Mae and Freddie Mac for underwriting audits, providing necessary documentation and clarifying procedures and guidelines.
• Partner with the Repurchase department to address document requests from Fannie Mae and Freddie Mac and dispute repurchase claims as they arise.
• Develop and deliver comprehensive condo / co-op training to internal partners as required.
• Conduct managerial responsibilities, including coaching/mentoring, performance management and evaluation, work assignment management and resource/capacity management, monitoring and escalating as needed.
• Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations

Qualifications:

• 6-10 years of experience in residential real estate mortgage operations with a strong background in condo / co-op review and analysis including Fannie, Freddie and portfolio
• Extensive knowledge of Retail Mortgage, Credit Policy and Underwriting
• Working knowledge of Regulatory Guidelines and Quality Expectations
• Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
• Proven organization and time management skills
• Consistently demonstrates clear and concise written and verbal communication skills

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

------------------------------------------------------ ## Job Family Group:

Risk Management

------------------------------------------------------ ## Job Family:

Portfolio Credit Risk Management:

------------------------------------------------------ ## Time Type:

Full time

------------------------------------------------------ ## Primary Location:

Telecommuter Missouri United States:

------------------------------------------------------ ## Primary Location Full Time Salary Range:

$107 120,00 - $160 680,00

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, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

------------------------------------------------------ ## Other Relevant Skills

Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

------------------------------------------------------ ## Anticipated Posting Close Date:

jun 19, 2026

------------------------------------------------------ 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.

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