Mortgage Lending Officer

• 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
• 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
• 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
• Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry
• Appropriately assess risk when business decisions are made

• 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 and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities
• Bachelor's/University degree or equivalent experience

FHA/VA & conventional loan experience

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