Correspondent Associate Credit Analyst

Citi; O’Fallon (MO); On-site; USD 55,270 - 77,130; Full time

Job summary

A leading financial services company is seeking a Correspondent Associate Credit Analyst in O’Fallon, Missouri. This role is primarily focused on assisting Correspondent Lenders by managing suspense conditions and ensuring timely pipeline purchases. Candidates should have a minimum of 3 years of mortgage industry experience and strong analytical and communication skills. The position promises a full-time commitment with a competitive salary range of $55,270 to $77,130, reflecting Citibank's dedication to client advocacy and operational excellence.

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 the single point of contact for Correspondent Lenders.
• Review and clear income, asset, and credit documentation.
• Monitor and manage a daily pipeline.
• 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 degree or equivalent experience

Job description

Correspondent Associate Credit Analyst - B10 (Citi)

The 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, ensuring pipelines are purchased on time. This position contributes significantly to maintaining Citibank’s commitment to superior credit quality, 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 the 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 or 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: O'Fallon, Missouri, United States

Salary Range: $55,270 – $77,130

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: Dec 12, 2025

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