Community Mortgage Advisor

2 weeks ago


Citrus Heights, California, United States Citigroup Inc Full time

The Community Mortgage Advisor is an entry-level role focused on enhancing mortgage sales and fostering client relationships through engagement with community members, diverse real estate professionals, and affordable housing non-profit organizations in collaboration with the Consumer Product Sales team. This position is directly accountable for the promotion of specific lending products to clients.

Key Responsibilities:

+ Engage with clients to understand their financial circumstances, personal aspirations, and lending requirements to assist them in achieving their home ownership objectives.

+ Gather and evaluate information regarding the client's financial status, future plans, income, assets, liabilities, cash flow, and credit history.

+ Assess financial data to determine initial eligibility for suitable lending solutions.

+ Provide tailored recommendations to clients regarding the lending options that align with their financial and personal goals.

+ Inform clients about the potential consequences, risks, and advantages of various lending alternatives.

+ Advocate for Citi's brand and its offerings, promoting Citi as a leading provider of lending and financial services to real estate agencies, builders, and other referral sources.

+ Conduct client meetings outside of Citi's offices, adjusting visits based on clientele, market conditions, and other relevant factors.

+ Collaborate with internal teams to support and expand our customer base.

+ Direct clients seeking financial services beyond lending to the appropriate Citi professionals.

+ Partner with Operations teams to ensure a smooth transition of loan applications, facilitating the provision of necessary documents to Processors and obtaining additional information as required.

+ Work closely with Processors/Closers and clients to ensure timely loan closings.

+ Build relationships with key referral sources (Realtors, CPAs, Builders, etc.) to drive mortgage business.

+ Exercise sound judgment in assessing risk during business decisions, ensuring compliance with applicable laws and regulations, and maintaining the firm's reputation.

+ Introduce clients to relevant segment partners when appropriate.

+ Stay informed about local market trends and regulatory changes, expanding both internal and external networks to better serve clients and industry professionals.

+ Attend a minimum of 2-3 events per month focused on diverse Realtors and/or affordable housing non-profits.

Qualifications:

+ 2-5 years of relevant experience.

+ Required experience in Residential Mortgage.

+ Minimum of 3 years of previous mortgage sales experience.

+ Established connections with diverse realtor organizations and affordable lending non-profits in the origination area.

+ Familiarity with community loan products, including specialized LMI mortgage solutions and assistance programs.

+ Proven track record of business development.

+ Preferred experience with FHA/VA and conventional loans.

+ Ability to understand and explain financial calculations and pricing options.

+ Capability to guide clients on the necessary documentation and information required for loan applications.

+ Knowledge of consumer lending laws and regulations, including fair lending and privacy standards.

+ Strong customer service orientation.

+ Self-driven with the ability to work independently.

+ Excellent relationship-building and management skills.

+ Comprehensive understanding of general lending products and the mortgage industry.

+ This role requires registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry.

+ Originate a minimum of 3 loans per month, ensuring at least 50% are either CRA eligible or within minority tracts.

Education:

+ Bachelor's degree or equivalent experience.

Job Family Group:

Consumer Sales

Job Family:

Consumer Product Sales

Time Type:

Full time

Primary Location Salary Range:

$90,000.00

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 interested applicants to apply for career opportunities. 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, please review Accessibility at Citi.

View the EEO is the Law poster. View the EEO is the Law Supplement. View the EEO Policy Statement. View the Pay Transparency Posting.

Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.



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