Citigroup Inc.
Mortgage Lending Officer SAFE Act, DC (Hybrid)
Citigroup Inc., Washington, District of Columbia, us, 20022
Overview
The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. It integrates established disciplinary knowledge within its own specialty area with a basic understanding of related industry practices. The role requires a good understanding of how the team interacts with others to accomplish objectives, develops working knowledge of industry practices and standards, and the ability to exchange information concisely while being sensitive to audience diversity. The impact on the business is limited to the quality of the tasks/services provided and is primarily within the team. Citi, the leading global financial services company, serves around 200 million customer accounts and operates in more than 160 countries and jurisdictions. Citi provides a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Citi Bank Retail Mortgage provides home lending services via Citi branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business, delivering superior service to clients and referral partners and is responsible for originating high quality residential real estate loans. This highly interactive role engages internally with retail branch partners, operations, and community business development officers. The role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other referral sources. Responsibilities
Consult with customers about their financial situation, financial and personal objectives, and lending needs to help them achieve home ownership goals. Collect and analyze information about the customer's financial situation, goals, risk tolerance, plans, income, assets, debts, cash flow, and credit history. Analyze financial information to assess whether the customer and property may qualify for a lending solution. Make recommendations to customers about which lending solutions would best meet their 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 Citi's offices, with visits varying based on clientele, geography, market conditions, and other factors. Work as a team with internal partners to support and grow our customers. Refer customers to Citi professionals for financial services other than lending solutions. Partner with Operations teams to ensure seamless transfer of loan applications, provide documents to Processors and Underwriters as needed. Work with Processors/Closers and customers to ensure timely closing of the loan. Develop external referral relationships (real estate agents, CPAs, builders, etc.) to drive mortgage business into the bank. Introduce clients to segment partners when appropriate (including Bank, Wealth Management, Small Business, Cards, etc.). Keep abreast of trends and developments in the local marketplace and changing industry rules and regulations; expand internal and external networks to better serve clients and industry professionals. Assess risk when making business decisions, uphold the firm’s reputation, safeguard Citi and its clients, and ensure compliance with applicable laws and regulations; escalate, manage, and report control issues with transparency. Qualifications
2-5 years relevant experience 3+ years previous mortgage sales experience Residential Mortgage experience Established book of business Proven product sales capability FHA/VA and conventional loan experience preferred Ability to comprehend and explain financial calculations and pricing Ability to communicate required documents and information to obtain a loan Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA Demonstrated customer service skills Strong relationship development and management skills Expertise in general lending products and the mortgage industry 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 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 and obtaining a unique identifier before engaging in mortgage loan originator activities. As part of this registration, fingerprinting may be required unless fingerprints are already on file with the NMLS. You must maintain and renew registration annually, update information with the Registry, and provide your unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies. Primary Location Salary Range:
$60,000.00-$175,000.00 In addition to salary, Citi’s offerings may include 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; as well as paid time off packages. Availability of benefits may vary by jurisdiction, job level, and date of hire. Most Relevant Skills: See requirements above. Other Relevant Skills: For complementary skills, please see above and/or contact the recruiter. Anticipated Posting Close Date: See posting for details. Citigroup is an equal opportunity employer. Qualified candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law. If you need a reasonable accommodation to use our tools or apply, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. It integrates established disciplinary knowledge within its own specialty area with a basic understanding of related industry practices. The role requires a good understanding of how the team interacts with others to accomplish objectives, develops working knowledge of industry practices and standards, and the ability to exchange information concisely while being sensitive to audience diversity. The impact on the business is limited to the quality of the tasks/services provided and is primarily within the team. Citi, the leading global financial services company, serves around 200 million customer accounts and operates in more than 160 countries and jurisdictions. Citi provides a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Citi Bank Retail Mortgage provides home lending services via Citi branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business, delivering superior service to clients and referral partners and is responsible for originating high quality residential real estate loans. This highly interactive role engages internally with retail branch partners, operations, and community business development officers. The role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other referral sources. Responsibilities
Consult with customers about their financial situation, financial and personal objectives, and lending needs to help them achieve home ownership goals. Collect and analyze information about the customer's financial situation, goals, risk tolerance, plans, income, assets, debts, cash flow, and credit history. Analyze financial information to assess whether the customer and property may qualify for a lending solution. Make recommendations to customers about which lending solutions would best meet their 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 Citi's offices, with visits varying based on clientele, geography, market conditions, and other factors. Work as a team with internal partners to support and grow our customers. Refer customers to Citi professionals for financial services other than lending solutions. Partner with Operations teams to ensure seamless transfer of loan applications, provide documents to Processors and Underwriters as needed. Work with Processors/Closers and customers to ensure timely closing of the loan. Develop external referral relationships (real estate agents, CPAs, builders, etc.) to drive mortgage business into the bank. Introduce clients to segment partners when appropriate (including Bank, Wealth Management, Small Business, Cards, etc.). Keep abreast of trends and developments in the local marketplace and changing industry rules and regulations; expand internal and external networks to better serve clients and industry professionals. Assess risk when making business decisions, uphold the firm’s reputation, safeguard Citi and its clients, and ensure compliance with applicable laws and regulations; escalate, manage, and report control issues with transparency. Qualifications
2-5 years relevant experience 3+ years previous mortgage sales experience Residential Mortgage experience Established book of business Proven product sales capability FHA/VA and conventional loan experience preferred Ability to comprehend and explain financial calculations and pricing Ability to communicate required documents and information to obtain a loan Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA Demonstrated customer service skills Strong relationship development and management skills Expertise in general lending products and the mortgage industry 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 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 and obtaining a unique identifier before engaging in mortgage loan originator activities. As part of this registration, fingerprinting may be required unless fingerprints are already on file with the NMLS. You must maintain and renew registration annually, update information with the Registry, and provide your unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies. Primary Location Salary Range:
$60,000.00-$175,000.00 In addition to salary, Citi’s offerings may include 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; as well as paid time off packages. Availability of benefits may vary by jurisdiction, job level, and date of hire. Most Relevant Skills: See requirements above. Other Relevant Skills: For complementary skills, please see above and/or contact the recruiter. Anticipated Posting Close Date: See posting for details. Citigroup is an equal opportunity employer. Qualified candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law. If you need a reasonable accommodation to use our tools or apply, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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