Citigroup Inc.
Community Lending Officer San Francisco California - Hybrid
Citigroup Inc., San Francisco, California, United States, 94199
Overview
The
Community Mortgage 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 nonprofit partners in coordination with the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients. Responsibilities
Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals. Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history. Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution. Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives. Advise customers about the consequences, risks, and benefits of alternative lending solutions. Promote Citi's brand and Citi as the provider for lending and other financial solutions to real estate agencies, builders, other referral sources, and customers. Visit customers outside of Citi's offices, with visits varying based on clientele, geography, market conditions, and other factors. Work as a team with all internal partners to support and grow our customers. Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals. Partner with Operations teams to ensure the seamless transfer of the loan application, provide documents to Processors and acquire any additional information needed by Processors and/or Underwriters. Work with Processors/Closers and customers to ensure the timely closing of the customer's loan. Develop and maintain key referral relationships (Realtors, CPAs, Builders, etc.) to drive mortgage business into the bank. Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citi, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying ethical judgment, and escalating, managing and reporting control issues with transparency. Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.). Keep abreast of trends and developments in the local marketplace, as well as changing rules and regulations across the industry, and expand internal and external networks to better serve clients and industry professionals. Attend a minimum of 2–3 diverse Realtor and/or affordable housing nonprofit events per month. Understand and comply with registration requirements for mortgage loan originator activities as described by the Nationwide Mortgage Licensing System and Registry (NMLS) and Citi policies. Qualifications
2-5 years relevant experience Residential Mortgage experience required 3+ years previous mortgage sales experience required Established relationships with diverse realtor organizations and affordable lending nonprofits in origination territory Experience with community loan products including specialized LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programs Established book of business FHA/VA & conventional loan experience is preferred Ability to comprehend and explain financial calculations and pricing alternatives Ability to communicate with customers about the proper documents and information needed to obtain a mortgage loan Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA Demonstrated customer service skills Self-motivated and able to work independently Strong relationship development and management skills General lending products and overall mortgage industry expertise Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier before engaging in mortgage loan originator activities Originate minimum of 3 loans per month with a minimum mix of 50% being CRA eligible or within minority tracts Education
Bachelor's/University degree or equivalent experience This position requires registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtaining a unique identifier before engaging in mortgage loan originator activities. Fingerprinting is required unless fingerprints on file with NMLS are less than 3 years old. Registration must be maintained and renewed annually, and the unique identifier must be provided to consumers as required by SAFE Act regulations and Citi policies and procedures. Job details and benefits information are provided for context and compliance purposes. The role is based in San Francisco, California, and is a full-time position with salary and eligible incentives as described in the posting. ------------------------------------------------------ Job Family Group:
Consumer Sales ------------------------------------------------------ Job Family:
Consumer Product Sales ------------------------------------------------------ Time Type:
Full time ------------------------------------------------------ Primary Location:
San Francisco, California, United States ------------------------------------------------------ Primary Location Full Time Salary Range:
$90,000.00 - $90,000.00 In addition to salary, Citi’s offerings may include discretionary and formulaic incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off packages. Availability of benefits may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Anticipated Posting Close Date:
Jan 16, 2025 ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries invite all qualified applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our tools or apply for a career opportunity, review accessibility information. EEO notices and related information are available upon request.
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The
Community Mortgage 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 nonprofit partners in coordination with the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients. Responsibilities
Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals. Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history. Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution. Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives. Advise customers about the consequences, risks, and benefits of alternative lending solutions. Promote Citi's brand and Citi as the provider for lending and other financial solutions to real estate agencies, builders, other referral sources, and customers. Visit customers outside of Citi's offices, with visits varying based on clientele, geography, market conditions, and other factors. Work as a team with all internal partners to support and grow our customers. Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals. Partner with Operations teams to ensure the seamless transfer of the loan application, provide documents to Processors and acquire any additional information needed by Processors and/or Underwriters. Work with Processors/Closers and customers to ensure the timely closing of the customer's loan. Develop and maintain key referral relationships (Realtors, CPAs, Builders, etc.) to drive mortgage business into the bank. Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citi, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying ethical judgment, and escalating, managing and reporting control issues with transparency. Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.). Keep abreast of trends and developments in the local marketplace, as well as changing rules and regulations across the industry, and expand internal and external networks to better serve clients and industry professionals. Attend a minimum of 2–3 diverse Realtor and/or affordable housing nonprofit events per month. Understand and comply with registration requirements for mortgage loan originator activities as described by the Nationwide Mortgage Licensing System and Registry (NMLS) and Citi policies. Qualifications
2-5 years relevant experience Residential Mortgage experience required 3+ years previous mortgage sales experience required Established relationships with diverse realtor organizations and affordable lending nonprofits in origination territory Experience with community loan products including specialized LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programs Established book of business FHA/VA & conventional loan experience is preferred Ability to comprehend and explain financial calculations and pricing alternatives Ability to communicate with customers about the proper documents and information needed to obtain a mortgage loan Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA Demonstrated customer service skills Self-motivated and able to work independently Strong relationship development and management skills General lending products and overall mortgage industry expertise Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier before engaging in mortgage loan originator activities Originate minimum of 3 loans per month with a minimum mix of 50% being CRA eligible or within minority tracts Education
Bachelor's/University degree or equivalent experience This position requires registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtaining a unique identifier before engaging in mortgage loan originator activities. Fingerprinting is required unless fingerprints on file with NMLS are less than 3 years old. Registration must be maintained and renewed annually, and the unique identifier must be provided to consumers as required by SAFE Act regulations and Citi policies and procedures. Job details and benefits information are provided for context and compliance purposes. The role is based in San Francisco, California, and is a full-time position with salary and eligible incentives as described in the posting. ------------------------------------------------------ Job Family Group:
Consumer Sales ------------------------------------------------------ Job Family:
Consumer Product Sales ------------------------------------------------------ Time Type:
Full time ------------------------------------------------------ Primary Location:
San Francisco, California, United States ------------------------------------------------------ Primary Location Full Time Salary Range:
$90,000.00 - $90,000.00 In addition to salary, Citi’s offerings may include discretionary and formulaic incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off packages. Availability of benefits may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Anticipated Posting Close Date:
Jan 16, 2025 ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries invite all qualified applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our tools or apply for a career opportunity, review accessibility information. EEO notices and related information are available upon request.
#J-18808-Ljbffr