Remote Mortgage Underwriter (DE and LAPP/SAR Required) JobotRemote Mortgage Underwriter (DE and LAPP/SAR Required)Sand Lake, FLRemote$95,000–$110,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Your underwriting decisions will directly influence customers’ ability to secure financing for their new homes, making attention to detail, sound judgment, and collaboration essential to success.
Residential Mortgage Underwriter Amerant BankResidential Mortgage UnderwriterCoral Gables, FLFull timeAdditionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending. Proficiency with mortgage software and data analysis tools enables the officer to efficiently monitor credit portfolios and generate insightful reports.
Insurance Underwriter Diedre Moire Corp.Insurance UnderwriterSand Lake, FL$100,000–$300,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Field Service Mechanic Tech Maintenance Technician Engineer Install Repair Calibrate Maintain CNC Sheetmetal & Heavy Metal Processing Machinery Press Brakes Metal Forming Shears Benders Stampers Winders Robot Cells #DiedreMoire #FieldServiceJobs #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #technicianjobs #CNCJobs #manufacturingjobs. The Job: • Underwrite individual risk selection for Medical Rehabilitation businesses including: Medical Device Fitters and Suppliers; Surgical Supply Stores; Therapy Centers; Prosthetic Repair and Adjustment; Medical Equipment Rental, Maintenance & Repair; Pharmacies; etc.
NewBilingual Sr. Loan Officer Assistant CornerStone StaffingBilingual Sr. Loan Officer AssistantBoca Raton, FLRemoteThis is an excellent opportunity for mortgage professionals who have strong income calculation skills, understand mortgage guidelines, and thrive in a fast-paced environment supporting Loan Officers and borrowers throughout the loan origination process. Reviewed automated underwriting findings (DU/LP) and ensured loan files met Fannie Mae, Freddie Mac, and FHA requirements prior to closing.
Commercial Relationship Manager III First Horizon BankCommercial Relationship Manager IIINaples, FLHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions.
Senior Commercial Relationship Manager First Horizon BankSenior Commercial Relationship ManagerOrlando, FLHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions.
NewJunior Loan Officer Cornerstone First MortgageJunior Loan OfficerMiami, FL$60,000–$75,000 / yearCollaborate with the mortgage lender or mortgage banker, underwriter, loan processor, senior MLO / mortgage loan originator, and realtors on behalf of the applicant as needed to make sure the loan transaction goes through successfully. Pipeline Management : Act as the point of contact for clients throughout the loan process, coordinating with processing and underwriting teams to ensure timely progression.
Senior Mortgage Underwriter South State BankSenior Mortgage UnderwriterWinter Haven, FLRemote$74,400–$118,848 / yearCommunication - Asks questions as necessary for clarification purposes; keeps others accurately informed; handles all communication in a timely manner; keeps communications confidential; communicates good and bad news in a professional manner; explains decisions and considers additional information presented by Mortgage Loan Officers or others. Reliability - Completes all assigned tasks on time and with minimal supervision; is punctual, present for work and accessible; fulfills commitments made to co-workers and supervisor; informs appropriate individuals when assigned tasks will not be completed in agreed upon time frame.
Senior Mortgage Underwriter VyStar Credit UnionSenior Mortgage UnderwriterJacksonville, FloridaIncumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate VyStar Excellence behaviors in performing the duties and responsibilities of their position. Applicants must have positive, well-developed effective communication skills, both written and verbal, be detail oriented, demonstrate good organizational and reflective listening skills, the ability to work in a fast-paced environment, and proven ability to work with others.
Residential Mortgage Underwriter Amerant Bancorp IncResidential Mortgage UnderwriterTampa, FLAdditionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending. Skills: This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant.
Mortgage Underwriter First Horizon CorpMortgage UnderwriterMiami Lakes, FLEssential Duties and Responsibilities: Independently evaluate a variety of complex residential mortgage credit applications, credit bureau information, collateral valuation, complicated tax returns, financial statements, sales contracts, title, insurance and/or other supporting documentation to decision loans within designated authority levels by way of automated underwriting tools. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services.
Mortgage Underwriter Hovnanian Enterprises IncMortgage UnderwriterBoynton Beach, FLNot only are you adept at weighing a multitude of factors to determine the degree of risk, but you have the communication skills to effectively present this information and respond to questions from customers and the general public, as well as to groups of managers and other Associates. Hovnanian American Mortgage, LLC, an indirect subsidiary of Hovnanian Enterprises, Inc., a well-respected publicly traded company, is committed to providing an environment and programs that help our associates flourish.
Mortgage Loan Underwriter Seacoast National BankMortgage Loan UnderwriterNaples, FLJOB SUMMARY: The Mortgage Underwriter is responsible for independently assessing and underwriting conventional and government residential mortgage loan applications to evaluate credit risk and determine loan acceptability in accordance with agency, investor, and regulatory guidelines. ESSENTIAL DUTIES AND RESPONSIBILITIES: Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment‑quality and salable loans.
Mortgage Loan Underwriter Seacoast BankMortgage Loan UnderwriterMiami, FLPart timeThe Mortgage Underwriter is responsible for independently assessing and underwriting conventional and government residential mortgage loan applications to evaluate credit risk and determine loan acceptability in accordance with agency, investor, and regulatory guidelines. Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment‑quality and salable loans.
Officer - Senior Underwriter 4 - Mortgages Citigroup IncOfficer - Senior Underwriter 4 - MortgagesFL$89,010–$124,190 / yearAppropriately 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. Interfaces directly with all levels of internal originations and credit policy staff, as well as external customers (Correspondent lenders) to maintain excellent customer service while ensuring the quality/integrity of loans purchased/underwritten by CMI.
Underwriter I Amerihome Mortgage Company, LLCUnderwriter IFLRemoteWhat youll do: As a Mortgage Underwriter I, youll perform a limited review of Conventional (Conforming, Conforming-High Balance and Non-Conforming Jumbo), Non-Agency and Government (FHA, VA, and USDA) loans for specific issues such as appraisal, property flip, insurability, DTI, etc. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!
Commercial Underwriter Gradient Mortgage Capital, LLCCommercial UnderwriterFt Lauderdale, FLThis role requires hands-on experience underwriting small balance commercial loans, as the complexity and nuance of this market demand a deep understanding of borrower profiles, property types, cash-flow analysis, and SBCRE-specific risk drivers. Proven experience independently underwriting, structuring, and decisioning SBC loans across common property types, including multifamily, mixed-use, retail, office, industrial, and special-purpose assets.
Commercial Underwriter Gradient Mortgage CapitalCommercial UnderwriterFort Lauderdale, FLFull timeThis role requires hands-on experience underwriting small balance commercial loans, as the complexity and nuance of this market demand a deep understanding of borrower profiles, property types, cash-flow analysis, and SBCRE-specific risk drivers. Proven experience independently underwriting, structuring, and decisioning SBC loans across common property types, including multifamily, mixed-use, retail, office, industrial, and special-purpose assets.
NewUnderwriting Specialist OR Executive Underwriter - Middle Market Zurich Insurance Group LtdUnderwriting Specialist OR Executive Underwriter - Middle MarketMaitland, FL$75,000–$165,000 / yearOver the past five years, Zurich North America has built a world-class Middle Market operation that serves key industries across the U.S. We strive to assemble a team of dedicated Middle Market leaders and underwriters who understand this space very deeply and who grasp the unique challenges of the various industry segments and the individual customers we serve. You will work collaboratively across business units including but not limited to; claims, finance, risk engineering, actuary, and technical underwriting while gaining extensive knowledge in a growing and innovative industry.
Junior Collateral Review Underwriter Wheeler Staffing PartnersJunior Collateral Review UnderwriterPompano Beach, FLRemoteWheeler Staffing Partners is seeking a detail-oriented Junior Collateral Review Underwriter to support mortgage underwriting operations through the review and analysis of residential property appraisals and flood insurance documentation. This role is responsible for evaluating collateral documentation, ensuring compliance with investor and underwriting guidelines, identifying potential risks, and clearing appraisal-related conditions prior to closing.
Senior Risk Manager & Underwriter Siemens AGSenior Risk Manager & UnderwriterOrlando, FL$120,666–$206,858 / yearAssist in the oversight of the documentation/contracting and funding/booking processes, including resolving any open items and ensuring all credit conditions are satisfied prior to funding; Be responsive and provide ongoing support to the sales, marketing and business development personnel, and develop working relationships with other support functions (Legal, Loan Operations, Asset Management, Accounting); Attend industry seminars and courses focused on credit skills, financial statement analysis, commercial construction, portfolio management, project finance and the Healthcare and Real Estate industries. Siemens Financial Services Inc (SFS), Project Structure Americas (PS-AM) is hiring a Senior Underwriter xe2x80x93 Real Estate to be responsible for end-to-end new business underwriting, execution and portfolio management for healthcare construction and acquisition loans in its Structured Finance team.
NewMortgage Loan Consultant Suncoast Schools Federal Credit UnionMortgage Loan ConsultantTampa, FL$53,000–$78,000 / yearExplain the content of the consumer mortgages preliminary disclosures, such as the term of the loan, rate, APR, closing costs, payment options, credit union paid closing costs, variable rate plans, and documentation requirements. Bachelor's degree in a business-related field, CCUE or PCUE designation preferred (A comparable combination of work experience and training may be substituted for education requirements).
First Mortgage Processor Suncoast Schools Federal Credit UnionFirst Mortgage ProcessorTampa, FL$50,000–$64,000 / yearAdminister tasks to meet all processing conditions associated with the loan approval according to GSE, PMI, FHA, USDA, and credit union guidelines. Proficient written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators.
NewMortgage Loan Processor CareerscapeMortgage Loan ProcessorTampa, FL$58,000–$82,000 / yearFull timeThis is a great opportunity for someone early in their finance or mortgage career to learn the loan lifecycle from application to closing while working alongside experienced underwriters, loan officers, and closers. Careerscape is recruiting on behalf of our client, a growing mortgage lending team, for an entry-level Mortgage Loan Processor to join their remote operations group.
First Mortgage Processor Suncoast Credit UnionFirst Mortgage ProcessorTampa, Florida$23.30–$29.80 / hourFull timeResponsibilities: Administer tasks to meet all processing conditions associated with the loan approval according to GSE, PMI, FHA, USDA, and credit union guidelines. Proficient written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators.
Mortgage Loan Consultant Suncoast Credit UnionMortgage Loan ConsultantTampa, Florida$53,000–$78,000 / yearFull timeExplain the content of the consumer mortgages preliminary disclosures, such as the term of the loan, rate, APR, closing costs, payment options, credit union paid closing costs, variable rate plans, and documentation requirements. Qualifications: Bachelor’s degree in a business-related field, CCUE or PCUE designation preferred (A comparable combination of work experience and training may be substituted for education requirements) .
Underwriter HomeXpress Mortgage CorpUnderwriterTampa, FL$70,000–$80,000 / yearKnowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions. Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
Mortgage Operations Manager Hovnanian Enterprises IncMortgage Operations ManagerBoynton Beach, FLThe Operations Manager is responsible for overseeing a team of Mortgage Loan Processors and Underwriters by managing the pipeline to ensure efficient workflow through processing, underwriting, closing, and post-closing. Hovnanian American Mortgage, LLC, an indirect subsidiary of Hovnanian Enterprises, Inc., a well-respected publicly traded company, is committed to providing an environment and programs that help our associates flourish.
Field Underwriter (Remote | U.S. Only) Spieldenner Financial GroupField Underwriter (Remote | U.S. Only)Jacksonville, FLRemoteYour level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage.
Senior Underwriter - Artisan E&S HCC Life Insurance CompanySenior Underwriter - Artisan E&SFlorida, FL$94,200–$164,300 / yearTokio Marine HCC, a global power in the specialty insurance industry, is seeking a Senior Underwriter with Artisan E&S experience that has a passion for organization, problem solving, mindfulness, and a drive to learn and grow with a world leading company in a unique industry. Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area.
Commercial Real Estate Underwriter AureateCommercial Real Estate UnderwriterTampa, FL$80,000–$120,000Assist in drafting, reviewing, and coordinating key legal documents involved in transactions, such as LOIs, PSAs, development agreements, joint venture agreements, and loan documents. Ideal candidates bring strong analytical and organizational skills, exceptional attention to detail, effective communication abilities, and the capacity to manage competing priorities.
Correspondent Staff Underwriter II Trustmark CorpCorrespondent Staff Underwriter IIFLResumes submitted to any Trustmark Bank employee by a third-party agency and/or search firm without a valid, written search agreement signed by Trustmark, will become the sole property of Trustmark Bank. The responsibilities of this job are to provide support to the retail and wholesale platform in loan decisions, underwriting guidance, and scenario questions based on GSE guidelines and requirements while ensuring and maintaining quality.
Commercial Credit Underwriter III Bank OZKCommercial Credit Underwriter IIITampa, FLMinimum of three (3) years of credit underwriting, financial analysis/management and/or lending work experience required, preferably including: commercial and industrial; owner-occupied commercial real estate; accounts receivable/inventory; and. Serves as a trained credit underwriter and experienced banking professional and works with loan types including corporate, commercial and industrial, and commercial real estate transactions.
Mortgage Loan Originator Dream Finders Homes IncMortgage Loan OriginatorJacksonville, FLloan officer assistant, loan opener, loan processor, underwriter, referral partners, escrow, title, etc.) on behalf of the applicant as needed to make sure the loan transaction goes through successfully. Our team is experiencing tremendous growth, and we are looking for a results-oriented Loan Originator who can generate new business and referrals, as well as maintain the excellent relationships we have already established with clients and referral partners.
Mortgage Loan Originator Hancock Whitney CorpMortgage Loan OriginatorSarasota, FLESSENTIAL MENTAL & PHYSICAL REQUIREMENTS: • Ability to travel if required to perform the essential job functions • Ability to work under stress and meet deadlines • Ability to operate related equipment to perform the essential job functions • Ability to read and interpret a document if required to perform the essential job functions • Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
FHA Mortgage Origination Representative Contact Government Services LLCFHA Mortgage Origination RepresentativeTampa, FLRemote$37,000–$42,000 / yearAt least two years working with FHA loans (e.g., loan originator, loan processor, junior underwriter, loan officer) plus an additional year of customer service or contact center background or at least three years of loan origination working with conventional loans and/or other government-backed loans (e.g., FHA, USDA, VA). For the past seven years, weve been growing our government-contracting portfolio, and along the way, weve created valuable partnerships by demonstrating a commitment to honesty, professionalism, and quality work.
NewUnderwriter People's Trust InsuranceUnderwriterDeerfield Beach, FloridaReports to: Underwriting Supervisor Date: As an Underwriter, you will be responsible for evaluating new business applications, ensuring eligibility based on company guidelines, and reviewing renewal policies to maintain a profitable book of business. · Strong organizational skills with the ability to manage a high-volume workload while maintaining accuracy and attention to detail.
Senior Underwriter-Analyst PEMCO Mutual Insurance CompanySenior Underwriter-AnalystFL$105,762–$129,264 / yearAnalytical and data-driven: Thinks analytically; a structured thinker who can put complex ideas into clear frameworks; uses data to conduct root cause analysis and develops high quality, consumable, and consistent metrics that drive strategic objectives and priorities. Maintain an underwriting territory, reviewing individual risks and aggregate trends and working with agents as needed for book quality; provide relationship-oriented service to customers, colleagues and stakeholders, including direct contact with customers.
Underwriter Auto-Owners Insurance CompanyUnderwriterTallahassee, FloridaThis job includes training and development through completion of the Company’s underwriter training program for the assigned line of insurance and requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Lower Middle Market Underwriter Chubb LtdLower Middle Market UnderwriterFL$80,000–$130,000 / yearThe company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally. In this role, you will effectively manage agent relationships and collaborate with internal partners in Field Underwriting, Distribution, and Operations to ensure seamless processes and superior service delivery.
Mortgage Post Closer Hovnanian Enterprises IncMortgage Post CloserBoynton Beach, FLYou will review and deliver FHA case binders to HUD, make corrections to files by working with the Closer, sending documents back to the customer and/or closing attorney or agent and obtain any missing documents from the file. Hovnanian American Mortgage, LLC, an indirect subsidiary of Hovnanian Enterprises, Inc., a well-respected publicly traded company, is committed to providing an environment and programs that help our associates flourish.
Mortgage Loan Officer Bank Of EnglandMortgage Loan OfficerFort Walton Beach, FLThe Mortgage Loan Officer plays a critical role in guiding clients through the residential lending process, ensuring they secure the most suitable mortgage products to meet their financial needs. This position involves evaluating loan applications, advising clients on various mortgage options including FHA and VA loans, and facilitating the loan closing process with precision and compliance.
MORTGAGE LOAN ORIGINATOR MLO Banco Inter SAMORTGAGE LOAN ORIGINATOR MLOMiami, FLAs pioneers, we transformed the market by launching Brazil's first digital bank and continue to shape the future with cutting-edge technology. Pioneiros, mudamos o mercado ao lançar o primeiro banco digital do Brasil e seguimos criando tendências com tecnologia de ponta.
Mortgage Loan Originator Hancock Whitney BankMortgage Loan OriginatorTampa, FloridaIf the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement. Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access; Ability to learn or knowledge of Outlook email program.
Mortgage Lending Closer Publix Employees Federal Credit UnionMortgage Lending CloserLakeland, FloridaMortgage Lending Closers are responsible for maintaining exceptional knowledge and complying with federal regulations including, but not limited to: TRID, RESPA, HMDA, ECOA, FCRA, FDPA, TILA, SAFE Act and Reg Z. Publix Employees Federal Credit Union (PEFCU) was established over 60 years ago to provide financial services with lifetime value to Publix Super Markets, Inc. employees and their families.
Entry Level Mortgage Sales DynaGen LendingEntry Level Mortgage SalesHallandale Beach, FloridaDynagen Lending is expanding, and we’re seeking a Mortgage Loan Officer Assistant to help us deliver exceptional service to our clients. Real-World Scenarios: Our training includes practical, on-the-job exercises, so you’ll gain firsthand experience with the systems, tools, and processes you’ll use every day.
Mortgage Loan Officer- US East Coast The Toronto-Dominion BankMortgage Loan Officer- US East CoastFL$11.54–$17.95 / hourOCC Language: This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
VP & Residential Underwriting Manager - Mortgage Underwriting WesBanco IncVP & Residential Underwriting Manager - Mortgage UnderwritingFort Lauderdale, FLRetail Credit officer reviewing the Underwriting team's loan productivity, quality loan review, loan product exceptions and other management functions. OTHER REQUIREMENTS: Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing.
Mortgage Community Lending Officer - Central Southeast Region Citigroup IncMortgage Community Lending Officer - Central Southeast RegionFLAppropriately 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. The Mortgage Community Lending Officer is an entry level position responsible for driving mortgage sales and client relationships through engagement with community clients, diverse real estate agents, and affordable housing non-profit partners in coordination with the Consumer Product Sales team.
Mortgage Home Lending Officer - Central Southeast Region Citigroup IncMortgage Home Lending Officer - Central Southeast RegionFL$60,000–$175,000 / yearAppropriately 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. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.