Mortgage Home Lending Officer

• Consult with customers about their financial situation and lending needs
• Collect and analyze information about the customer's financial situation
• Analyze financial information for customers to make initial assessment
• Make recommendations to customers about lending solutions
• Advise customers about consequences, risks, and benefits of alternative lending solutions
• Promote Citi's brand and financial services
• Visit customers outside of Citi's offices
• Work as a team with all internal partners to support customers
• Refer customers to appropriate Citi professionals for other financial services
• Partner with Operations teams for seamless loan application transfer
• Work with Processors/Closers and customers for timely loan closing
• Develop key referral relationships with Realtors, CPA's, Builders
• Introduce clients to segment partners
• Keep abreast of trends and developments in local marketplace

• 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

FHA/VA & conventional loan experience

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages including vacation, sick leave, and paid holidays
• discretionary and formulaic incentive and retention awards