1ST-HR: There is an initial interview to review your resume and discuss experience to ensure you are a good fit for the position. Then HR passes your resume to the hiring manager. You are scheduled for an interview if the hiring manager agrees that you are a good fit. 2nd Interview is with a Departmental Mgr and Risk Mgr who complete an underwriter interview with you. They ask specific policy/guidelines for FNMA/FHLMC/FHA etc..depending on which area you will be working. I was even asked the formulas for income calculation, LTV, appraisal standards & adjustment maximums etc... They even asked questions to determine if you have good judgment/instinct. Two weeks after the interview, I was extended an offer contingent on my passing pre-employment. Others who were in training with me waited up to 5 weeks to receive an offer letter. Once received, paperwork is completed for the on-board process..fingerprints are done for background check..employment and credit were also checked. Once in training, we had to complete NMLS..either apply or transfer current NMLS to Citi.