Mortgage Lending Officer

4 weeks ago

San Francisco, California, United States Citigroup Inc Full time
Mortgage Lending Officer Job Description

Citi, the leading global financial services company, is seeking a Mortgage Lending Officer to join our team. As a Mortgage Lending Officer, you will be responsible for originating high-quality residential real estate loans for clients.

Key Responsibilities:

  • Consult with customers about their financial situation, financial and personal objectives, and lending needs.
  • 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 promote Citi as the provider for lending and other financial solutions.
  • Visit customers outside of Citi's offices to vary based on clientele, geography, market conditions, and other factors.
  • Work as a team with all 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 in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.
  • Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
  • Go outside to key referral relationships (Realtors, CPA's, 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 local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals.
  • Appropriately assess risk when business decisions are made, demonstrating particular 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 regarding personal behavior, conduct and business practices, 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 is required.
  • FHA/VA & conventional loan experience is preferred
  • The ability to comprehend and explain financial calculations and pricing alternatives.
  • The ability to communicate 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.
  • Demonstrated customer service skills
  • Strong relationship development and management skills
  • Expertise of general lending products and overall mortgage industry.
  • This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (Registry) and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities,

Education:

  • Bachelors/University degree or equivalent experience

Citi is an equal opportunity and affirmative action employer.

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