Citi
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 Bank Retail Mortgage provides home lending services via 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 role engages internally with retail branch partners, operations, and community business 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, 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 lending and financial services 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 to Processors and 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 but not limited to Bank, Wealth Management, Small Business, Cards, etc.).
Keep abreast of trends and developments in the local marketplace and changing rules and regulations, and expand internal and external networks to better serve clients and industry professionals.
Assess risk when business decisions are made, with regard to the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws 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
FHA/VA & conventional loan experience preferred
The ability to comprehend and explain financial calculations and pricing options
The ability to communicate with customers about the proper documents and information needed to obtain a loan
Knowledge of laws and regulations governing 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 be able to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier before engaging in activities
Education
Bachelor’s/University degree or equivalent experience
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, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Citi’s Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster on Citi’s site.
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Citi Bank Retail Mortgage provides home lending services via 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 role engages internally with retail branch partners, operations, and community business 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, 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 lending and financial services 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 to Processors and 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 but not limited to Bank, Wealth Management, Small Business, Cards, etc.).
Keep abreast of trends and developments in the local marketplace and changing rules and regulations, and expand internal and external networks to better serve clients and industry professionals.
Assess risk when business decisions are made, with regard to the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws 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
FHA/VA & conventional loan experience preferred
The ability to comprehend and explain financial calculations and pricing options
The ability to communicate with customers about the proper documents and information needed to obtain a loan
Knowledge of laws and regulations governing 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 be able to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier before engaging in activities
Education
Bachelor’s/University degree or equivalent experience
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, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Citi’s Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster on Citi’s site.
#J-18808-Ljbffr