Mortgage Lending Specialist

The Dedicated Lending SAFE Act is an entry-level position responsible for contributing to the formulation and implementation of long and short-term strategic plans. The primary objective is to increase market share/penetration and maximize opportunities for growth throughout the marketplace. This role assists in providing product specialists with qualified referrals for cross-sell and helps in closing deals across products while coordinating underwriting/credit practices.

• Deliver mortgage lending services to clients in consultation with assigned Home Lending Officer(s) in all aspects of the loan application process, including collecting borrower information, consulting on mortgage options, quoting rates/terms, and addressing follow-ups on the application/mortgage processing.
• Gather information from clients and other third-party sources, such as title companies and real estate agents, and apply judgment based on practice and precedence to determine needed items to submit files to underwriting for approval.
• Monitor the application pipeline to ensure key dates (consent, lock, lock expiration, anticipated closing dates) are met and communicate with clients on requirements and timelines.
• Manage the marketing process for the Home Lending Officer supported, including marketing material management and follow-up on prospective customer leads as needed, working open houses, realtor agent events, and training events.
• Partner with Operations teams to ensure the seamless transfer of the loan application to provide documents to the processors and acquire any additional information needed by the processors and/or underwriters.
• Manage customer inquiries and build and maintain relationships with client book of work.
• Assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.

• 1-3 years of relevant experience in Mortgage/Loan Origination.
• Banking experience preferred.
• Consistently demonstrates clear and concise written and verbal communication.
• This position requires registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtaining a unique identifier from the Registry before engaging in mortgage loan originator activities, maintaining and renewing that registration on an annual basis, updating registration information with the Registry on a timely basis, and providing that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

• Bachelor's/University degree or High School diploma/equivalent with at least 2 years of relevant Loan Origination experience.

• Expert knowledge of general lending products and services and pricing alternatives in the industry.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Strong communication skills with customers about the proper documents and information needed to obtain a particular loan.
• Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA.
• Self-starters who can work independently or work with existing partnerships with a proven track record.
• Ability to work as part of a team to grow the assigned branch/branches or community organization.

• Job Family Group: Consumer Sales
• Job Family: Consumer Sales Support
• Time Type: Full time
• Primary Location: 332 ROUTE 100 NORTH SOMERS
• Primary Location Full Time Salary Range: $72,000.00 - $105,000.00

Citi offers competitive employee benefits, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit https://www.citi.com/careers/benefits. Available offerings may vary by jurisdiction, job level, and date of hire.

Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.