Residential Mortgage Consultant

Position Overview:
The role of the Mortgage Lending Officer is a pivotal professional position within the financial services sector. This position involves applying specialized knowledge to monitor and evaluate processes and data effectively. It integrates established knowledge within the specialty area while maintaining a fundamental understanding of related industry practices. A solid grasp of team dynamics is essential for achieving departmental objectives. The role develops a working knowledge of industry standards and practices, facilitating effective communication that is both concise and sensitive to diverse audiences. The impact of this position is primarily confined to the immediate team, influencing the quality of services provided.

About Citigroup Inc:
Citi is a leading global financial services firm, serving approximately 200 million customer accounts across more than 160 countries. The company offers a wide array of financial products and services, including consumer banking, corporate and investment banking, securities brokerage, and wealth management.

Role Responsibilities:

• Engage with clients to understand their financial circumstances, objectives, and lending requirements to assist them in achieving their home ownership aspirations.
• Gather and assess information regarding clients' financial situations, future plans, income, assets, debts, cash flow, and credit history.
• Evaluate financial data to make preliminary assessments of client eligibility for various lending solutions.
• Provide tailored recommendations on lending options that align with clients' financial and personal goals.
• Inform clients about the implications, risks, and advantages of different lending alternatives.
• Promote Citi's brand and its financial services to real estate professionals, builders, and potential clients.
• Conduct client meetings outside of the office, adapting to client needs and market conditions.
• Collaborate with internal teams to enhance customer support and growth.
• Direct clients seeking services beyond lending to the appropriate Citi professionals.
• Coordinate with Operations teams to ensure a smooth transition of loan applications and required documentation.
• Work closely with Processors and Closers to facilitate timely loan closings.
• Engage with key referral sources to drive mortgage business growth.
• Connect clients with relevant segment partners when appropriate.
• Stay informed about local market trends and regulatory changes to better serve clients and industry stakeholders.
• Exercise sound judgment in business decisions, prioritizing the firm's reputation and compliance with laws and regulations.

• 2-5 years of relevant experience in mortgage lending.
• A minimum of 3 years of experience in mortgage sales is required.
• Experience in residential mortgage lending is essential.
• Established client base is preferred.
• Demonstrated ability in product sales is necessary.
• FHA/VA and conventional loan experience is advantageous.
• Ability to interpret and explain financial calculations and pricing options.
• Proficient in guiding clients on necessary documentation for loan applications.
• Knowledge of consumer lending regulations, including fair lending and privacy laws.
• Strong customer service and relationship management skills.
• Expertise in general lending products and the mortgage industry.
• Registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry is required.

• Bachelor's degree or equivalent professional experience.