Citi
Mortgage Lending Officer SAFE Act - B11 - ENCINO
Citi, Los Angeles, California, United States, 90079
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 specialty area with basic understanding of related industry practices. It requires good understanding of how the team interacts with others to accomplish objectives. It develops working knowledge of industry practices and standards and must exchange information in a concise, logical way while being sensitive to audience diversity. Impact on the business is limited to the quality of the tasks/services provided and is generally restricted to the employee's own team.
Citi, the leading global financial services company, has about 200 million customer accounts and operates 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, corporate and investment banking, securities brokerage, and wealth management.
Citi Bank Retail Mortgage provides home lending services through Citi 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. This highly interactive role engages internally with retail branch partners, operations, and community development officers. It 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, 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 for the future, income, assets, debts, cash flow, and credit history.
Analyze financial information to assess whether the customer and property may qualify for a lending solution.
Recommend lending solutions that best meet the customer’s objectives.
Advise customers about the consequences, risks, and benefits of alternative lending solutions.
Promote Citi’s brand and its lending and financial solutions to real estate agencies, builders, other referral sources, and customers.
Visit customers outside Citi’s offices as needed based on clientele, geography, and market conditions.
Collaborate with internal partners to support and grow our customer relationships.
Refer customers to the appropriate Citi professionals for services beyond lending solutions.
Partner with Operations to ensure seamless transfer of loan applications and to provide information needed by Processors and Underwriters.
Work with Processors/Closers and customers to ensure timely loan closings.
Develop key referral relationships (e.g., Realtors, CPAs, Builders) to drive mortgage business.
Introduce clients to segment partners when appropriate (including Bank, Wealth Management, Small Business, Cards, etc.).
Keep abreast of trends in the local marketplace and regulatory changes, and expand networks to better serve clients and industry professionals.
Assess risk in business decisions, uphold the firm’s reputation, and ensure compliance with laws and Citi policies; escalate and report control issues with transparency.
Qualifications
2-5 years of relevant experience
3+ years of previous mortgage sales experience required
Residential mortgage experience required
Established book of business
Proven product sales capability
FHA/VA and conventional loan experience preferred
Ability to comprehend and explain financial calculations and pricing options
Ability to explain required documents and information needed to obtain a loan
Knowledge of consumer lending laws and regulations (fair lending, privacy, RESPA)
Strong customer service skills and relationship development abilities
Expertise in general lending products and the mortgage industry
Registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtaining a unique identifier is required before engaging in MLO activities
Education
Bachelor’s/University degree or equivalent experience
Job Family Group:
Consumer Sales
Job Family:
Consumer Product Sales
Time Type:
Full time
Primary Location:
Encino, California, United States
Primary Location Full Time Salary Range:
$60,000.00 - $175,000.00
In addition to salary, Citi’s offerings may include incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, disability insurance; and wellness programs; and paid time off. Benefits vary by jurisdiction, job level, and date of hire.
Note: Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any protected characteristic. If you require a reasonable accommodation to use our search tools or apply, review Accessibility at Citi. See Citi’s EEO Policy Statement and Know Your Rights poster.
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Citi, the leading global financial services company, has about 200 million customer accounts and operates 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, corporate and investment banking, securities brokerage, and wealth management.
Citi Bank Retail Mortgage provides home lending services through Citi 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. This highly interactive role engages internally with retail branch partners, operations, and community development officers. It 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, 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 for the future, income, assets, debts, cash flow, and credit history.
Analyze financial information to assess whether the customer and property may qualify for a lending solution.
Recommend lending solutions that best meet the customer’s objectives.
Advise customers about the consequences, risks, and benefits of alternative lending solutions.
Promote Citi’s brand and its lending and financial solutions to real estate agencies, builders, other referral sources, and customers.
Visit customers outside Citi’s offices as needed based on clientele, geography, and market conditions.
Collaborate with internal partners to support and grow our customer relationships.
Refer customers to the appropriate Citi professionals for services beyond lending solutions.
Partner with Operations to ensure seamless transfer of loan applications and to provide information needed by Processors and Underwriters.
Work with Processors/Closers and customers to ensure timely loan closings.
Develop key referral relationships (e.g., Realtors, CPAs, Builders) to drive mortgage business.
Introduce clients to segment partners when appropriate (including Bank, Wealth Management, Small Business, Cards, etc.).
Keep abreast of trends in the local marketplace and regulatory changes, and expand networks to better serve clients and industry professionals.
Assess risk in business decisions, uphold the firm’s reputation, and ensure compliance with laws and Citi policies; escalate and report control issues with transparency.
Qualifications
2-5 years of relevant experience
3+ years of previous mortgage sales experience required
Residential mortgage experience required
Established book of business
Proven product sales capability
FHA/VA and conventional loan experience preferred
Ability to comprehend and explain financial calculations and pricing options
Ability to explain required documents and information needed to obtain a loan
Knowledge of consumer lending laws and regulations (fair lending, privacy, RESPA)
Strong customer service skills and relationship development abilities
Expertise in general lending products and the mortgage industry
Registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtaining a unique identifier is required before engaging in MLO activities
Education
Bachelor’s/University degree or equivalent experience
Job Family Group:
Consumer Sales
Job Family:
Consumer Product Sales
Time Type:
Full time
Primary Location:
Encino, California, United States
Primary Location Full Time Salary Range:
$60,000.00 - $175,000.00
In addition to salary, Citi’s offerings may include incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, disability insurance; and wellness programs; and paid time off. Benefits vary by jurisdiction, job level, and date of hire.
Note: Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any protected characteristic. If you require a reasonable accommodation to use our search tools or apply, review Accessibility at Citi. See Citi’s EEO Policy Statement and Know Your Rights poster.
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