Correspondent Associate Credit Analyst

Citigroup Inc.; Jacksonville (FL); On-site; USD 53,600 - 74,800; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k) plan

Life, accident, and disability insurance

Wellness programs

Paid time off

Planned time off (vacation)

Unplanned time off (sick leave)

Paid holidays

Job summary

A leading financial services firm in Jacksonville is seeking an Associate Credit Analyst to serve as the point of contact for Correspondent Lending clients. This role involves supporting lenders with documentation, monitoring pipelines, and ensuring compliance with regulations. Candidates should have at least 3 years in the mortgage industry, experience with FNMA and FHLMC guidelines, and exemplary communication skills. Competitive salary and benefits are offered along with a focus on operational excellence and customer experience.

Qualifications

• Minimum 3 years of mortgage industry experience.
• Experience with FNMA and FHLMC underwriting requirements.
• Strong written and verbal communication skills.
• Ability to manage competing priorities in a fast-paced environment.
• High attention to detail and strong analytical skills.

Responsibilities

• Serve as a single point of contact for Correspondent Lenders.
• Review and clear income, asset, and credit documentation.
• Monitor, maintain, and manage a daily pipeline.
• Review mortgage documentation from application through closing.
• Ensure compliance with regulatory requirements.
• Deliver exceptional customer service.
• Support Account Executives with client-relationship strategies.
• Complete a pre-funding review.
• Maintain production and quality standards.

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

Education

Bachelor’s/University degree or equivalent experience

Job description

Associate Credit Analyst position is a pivotal role, serving as the dedicated single point of contact for Correspondent Lending clients. The primary goal is to assist Correspondent Lenders in clearing suspense conditions and identifying bottlenecks that would delay their pipelines from being purchased timely. This critical position contributes to maintaining Citi’s commitment to superior credit quality, an outstanding customer experience, and operational excellence. It requires a highly detail-oriented individual with strong problem‑solving abilities, exceptional communication skills, and a dedication to client advocacy in a fast‑paced lending environment.

Key Responsibilities

• Serve as a single point of contact for Correspondent Lenders, providing guidance and support throughout the suspense condition resolution process.
• Review and clear income, asset, and credit documentation submitted to address suspense conditions in accordance with both Agency and Non‑Agency guidelines.
• Monitor, maintain, and manage a daily pipeline, ensuring adherence to service level agreements and timely completion of reviews.
• Review mortgage documentation from application through closing with comprehensive knowledge of the end‑to‑end origination process.
• Ensure compliance with regulatory requirements, including RESPA and TILA.
• Deliver exceptional customer service by working rebuttals, escalations and scenarios submitted by the Correspondent Lender.
• Support Account Executives by contributing to client‑relationship strategies and maintaining strong working partnerships with Correspondent Lenders.
• Complete a pre‑funding review to assist with purchasing loans.
• Maintain production and quality standards as defined by the business.

Qualifications

• Minimum 3 years of mortgage industry experience
• Experience with FNMA and FHLMC underwriting requirements
• Strong written and verbal communication skills
• Ability to manage competing priorities in a fast‑paced environment
• High attention to detail and strong analytical skills

Education

• Bachelor’s/University degree or equivalent experience

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

Note: This is not a Signature Underwriting position.

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Primary Location: Jacksonville, Florida, United States

Primary Location Full Time Salary Range: $53,600.00 - $74,800.00

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, 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: Apr 01, 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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