Overview
The Credit Underwriting Team Lead is a senior professional role that blends deep specialty knowledge with a solid grasp of industry standards and practices. This position requires a clear understanding of how the underwriting team collaborates with other areas to achieve the objectives of the subfunction and job family. It relies on analytical thinking and familiarity with data analysis tools and methodologies, and involves breaking down information in a structured, communicable way. Developed communication and diplomacy skills are essential for sharing potentially complex or sensitive information. The role carries moderate but direct impact through close involvement with the business’s core activities. The quality and timeliness of services provided influence the effectiveness of the team and related groups.
Responsibilities
- Provide support to the underwriting manager in workflow management, review of underwriting pipeline reports, and escalation handling.
- Conduct daily pipeline reviews to ensure loans are processed within business service level agreements.
- Support training for new hires.
- Underwrite highly complex transactions and remain in production as needed to maintain signing authority.
- Analyze loan scenarios and respond to escalated loan questions with resolutions.
- Evaluate procedures to identify more efficient and cost-effective workflow approaches.
- Serve as the Underwriting Subject Matter Expert for special projects.
- Maintain Daily Control Tracking reports for ARCMs (Activities, Risks, Controls, and Monitoring) and distribute to appropriate channels.
- Adhere to policy, applying sound ethical judgment regarding personal conduct and business practices, and escalate, manage, and report control issues with transparency.
- Perform other duties and functions as assigned.
Qualifications
- Minimum of 5 years of related experience, including underwriting agency, non-agency, and appraisal review.
- Demonstrated experience as a mentor and leader.
- Strong understanding of complex mortgage transactions and tax return analysis.
- Excellent written and verbal communication, analytical, problem-solving, and decision-making skills.
Education
- High school diploma.
- Bachelor’s/University degree or equivalent experience preferred.
Job Details
- Job Family Group: Risk Management
- Job Family: Credit Risk
- Time Type: Full time
- Primary Location: Ofallon Missouri United States
- Primary Location Full Time
- Salary Range: $89 010,00 - $124 190,00
Location
O'Fallon, MO 63368
Benefits and Compensation
In addition to salary, Citi’s offerings may also include discretionary and formulaic incentive and retention awards. Citi provides competitive employee benefits, including medical, dental and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Paid time off packages include 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.
- Medical, dental and vision coverage
- 401(k) retirement plan
- Life, accident and disability insurance
- Wellness programs
- Paid time off for vacation, sick leave, and holidays
Skills
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
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date
March 17, 2026
Equal Opportunity and Accessibility
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
Accessibility
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, please review Accessibility at Citi.