AVP, Correspondent Mortgage Credit Manager - C12

The Credit Underwriting Manager provides full leadership and supervisory responsibility. Provides operational/service leadership and direction to team(s). Applies in-depth disciplinary knowledge through provision of value-added perspectives or advisory services. May contribute to the development of new techniques, models and plans within area of expertise. Strong communication and diplomacy skills are required. Generally the Correspondent Mortgage Credit Manager is tasked with overseeing the fast-paced lifecycle of purchasing mortgage loans within the correspondent channel, with a focus on ensuring operational efficiency, adherence to regulatory standards, and achieving high client satisfaction. This role involves timely active management of daily operations, the proactive development and implementation of process improvements, and providing leadership to the operations team. Key responsibilities include managing operational functions such as condition review, purchasing, funding, and post-closing activities. Furthermore, the manager acts as the primary operational liaison for correspondent partners, handling escalations, resolving challenges, and cultivating strong business relationships. A crucial aspect of this role is leading, mentoring, and coaching the operations team, which involves establishing clear performance metrics, monitoring results, and managing performance to uphold accountability. As responsibility for volume, quality, timeliness of end results and shared responsibility for planning and budgets. Work affects an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family. Full supervisory responsibility, ensuring motivation and development of team through professional leadership to include duties such as performance evaluation, compensation, hiring, disciplinary and terminations as well as direction of daily tasks and responsibilities. Responsibilities Performs oversight of Client Excellence Team within Correspondent channel that supports sellers through the prepurchase review process. Supports the Correspondent Account Executives in their initiatives against volume goals. Responsible for managing Risk and Controls and maintaining quality expectations set forth by the organization. Monitors capacity against established plans and forecasts. Integrates in-depth credit operations knowledge with a solid knowledge of industry standards and practices. Uses sound judgment to complete more complex credit transaction reviews. Performs analysis of credit and investor delivery quality on mortgage transactions. 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards. Qualifications 5-8 years previous Mortgage Credit Analysis experience required. Extensive mortgage industry knowledge related to credit worthiness, regulatory requirements and agency guidelines is required. Knowledge of mortgage documentation including closing and post-closing documents. Correspondent Lending experience preferred. Working knowledge of reporting and presentation skills is a plus. Education Bachelor’s/University degree or equivalent experience Job Family Group Risk Management Job Family Credit Risk Time Type Full time Primary Location Jacksonville, Florida, United States Salary Range $87,280.00 - $130,920.00 Benefits Citi offers competitive employee benefits, including medical, dental and vision coverage, 401(k), life, accident and disability insurance, wellness programs, and paid time off packages such as vacation, sick leave and paid holidays. Most Relevant Skills Analytical Thinking Constructive Debate Escalation Management Financial Analysis Policy and Procedure Policy and Regulation Product Knowledge Risk Controls and Monitors Risk Identification and Assessment Anticipated Posting Close Date Dec 10, 2025 Equal Opportunity Employer 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. Accessibility Accessibility at Citi. EEO Statement View Citi's EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr 6AM City, LLC