Intermediate Credit Analyst Team Lead

The Correspondent Team Lead is an experienced, professional role which integrates in-depth specialty knowledge with a solid understanding of industry standards and practices. Demonstrates a good understanding of how the team integrates with others to accomplish the overall objectives of the Correspondent business. Solid time-management skills and ability to work in a fast-paced environment is critical. Developed communication and diplomacy skills are required to exchange potentially complex/sensitive information. Applies analytical thinking and knowledge for a diverse array of mortgage products, including agency, non-agency and community lending programs. Understands Regulatory testing and processes to ensure loans adhere to Compliance policies. Works under little supervision while ensuring the quality of tasks or services are being met daily.

Responsibilities:

Role responsibilities include but are not limited to the following:

• Complete and monitor various Risk and Control reports daily
• Perform daily pipeline review to ensure loans are reviewed within business service level agreements.
• Daily/weekly reporting of turn-times, loan registrations, aged inventory, HMDA inquiries, etc.
• Provide support with training new hires.
• Act as a Subject Matter Expert for special projects.
• Assist staff with internal and external escalations of loan transactions.
• Review and analyze procedures on a regular basis to find potential gaps and more efficient processes.
• Analyze quality results to identify training opportunities and determine potential solutions.
• Review mortgage loan documentation submitted by Correspondent lenders for accuracy, consistency, and compliance with business guidelines for potential purchase.
• Ensure data integrity between loan documents and loan origination system to meet applicable guidelines.
• Review loan documents against established procedures for presence, completeness, accuracy, and compliance.
• Ability to analyze and calculate complex income/employment (e.g. paystubs, W2, tax returns etc.), asset and credit documentation to determine eligibility against published guidelines.
• Assist with issues including but not limited to the following: fee calculations to balance the APR Calculations, High-Cost calculations, Qualified Mortgage (QM) classifications, disclosure timing requirements, tolerance testing limits and Texas 50 (a)(6) testing to ensure compliance with Federal and State regulations
• Communicates well with both internal and external partners, ability to articulate clearly complex mortgage interpretations.

Qualifications:

• A minimum of 5 years of related mortgage originations experience, including various products such as Agency, Non-Agency and Community lending.
• Demonstrated experience as a mentor and leader.
• Excellent written and oral communication, analytical, problem-solving, decision-making, and computer skills required
• Strong understanding of mortgage workflows and processes.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

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Primary Location:

1000 TECHNOLOGY DRIVE OFALLON

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Primary Location Full Time Salary Range:

$71 220,00 - $99 380,00

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.

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

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

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Anticipated Posting Close Date:

ago 17, 2026

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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.