Citigroup Inc.
Home Lending Officer - (SAFE Act) - New York City - Hybrid
Citigroup Inc., New York, New York, us, 10261
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. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. 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. Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers. 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, including promoting Citi 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 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. Engage with key referral relationships (Realtors, 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.). Stay informed of trends and developments in the local marketplace, changes in rules and regulations, and expand internal and external networks to better serve clients and industry professionals. Appropriately assess risk when business decisions are made, with 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. Qualifications
2-5 years relevant experience 3+ years previous mortgage sales experience required Residential Mortgage experience required Established book of business Proven product sales capability is required FHA/VA & conventional loan experience 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 loan Knowledge of the laws and regulations that govern consumer lending, 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 (NMLS) and obtaining a unique identifier before engaging in mortgage loan originator activities. Fingerprints may be required unless fingerprints on file with NMLS Registry are less than 3 years old. You must maintain and renew registration annually, update information with the Registry in a timely manner, and provide your unique identifier to consumers as required by SAFE Act regulations and Citi policies and procedures. Anticipated Posting Close Date: Jan 16, 2025 Job Family Group: Consumer Sales Job Family: Consumer Product Sales Time Type: Full time Primary Location: New York, New York, United States Primary Location Full Time 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, and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including vacation, sick leave, and holidays. For more information, visit citibenefits.com. Anticipated posting clos date, EEO statements, and related postings continue below as required. 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. If you are a person with a disability and need a reasonable accommodation to use our tool or apply, review Accessibility at Citi. View the EEO poster, EEO supplement, EEO policy statement, and Pay Transparency Posting for details.
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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. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. 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. Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers. 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, including promoting Citi 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 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. Engage with key referral relationships (Realtors, 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.). Stay informed of trends and developments in the local marketplace, changes in rules and regulations, and expand internal and external networks to better serve clients and industry professionals. Appropriately assess risk when business decisions are made, with 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. Qualifications
2-5 years relevant experience 3+ years previous mortgage sales experience required Residential Mortgage experience required Established book of business Proven product sales capability is required FHA/VA & conventional loan experience 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 loan Knowledge of the laws and regulations that govern consumer lending, 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 (NMLS) and obtaining a unique identifier before engaging in mortgage loan originator activities. Fingerprints may be required unless fingerprints on file with NMLS Registry are less than 3 years old. You must maintain and renew registration annually, update information with the Registry in a timely manner, and provide your unique identifier to consumers as required by SAFE Act regulations and Citi policies and procedures. Anticipated Posting Close Date: Jan 16, 2025 Job Family Group: Consumer Sales Job Family: Consumer Product Sales Time Type: Full time Primary Location: New York, New York, United States Primary Location Full Time 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, and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including vacation, sick leave, and holidays. For more information, visit citibenefits.com. Anticipated posting clos date, EEO statements, and related postings continue below as required. 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. If you are a person with a disability and need a reasonable accommodation to use our tool or apply, review Accessibility at Citi. View the EEO poster, EEO supplement, EEO policy statement, and Pay Transparency Posting for details.
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