Citi

Banking

MortgageLendingOfficerSAFEAct

$60–175k Garden Grove, California, United States FULL TIME
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Junior candidates.

The Brief

“Mortgage Lending Officer SAFE Act at Citi. Skills: originate residential real estate loans, client engagement, sales, risk assessment. Originate high quality residential real estate loans for clients, engage with clients, real estate agents, and other area referrers, consult with customers about their financial situation, collect and analyze customer financial information, analyze financial information for customers to make an initial assessment, make recommendations about lending solutions, adv”

What You'll Achieve.

Helping clients achieve their home ownership goals. Drive mortgage sales and client relationships.

Industry & Context.

Banking
Problems you'll solve

monitoring and assessing processes and data; identifies policy

Eligibility Requirements

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.

What They're Looking For.

Must Have

2-5 years relevant experience. Established book of business. Expertise of general lending products and overall mortgage industry.

Nice to Have

FHA/VA & conventional loan experience. 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.

What You'll Do.

Originate high quality residential real estate loans for clients

and other area referrers

consult with customers about their financial situation

collect and analyze customer financial information

analyze financial information for customers to make an initial assessment

make recommendations about lending solutions

advise customers about consequences of lending solutions

promote Citi's brand and financial services

visit customers outside of Citi's offices

work as a team with internal partners

refer customers to appropriate Citi professionals

partner with Operations teams to ensure seamless transfer of loan application

work with Processors/Closers and customers to ensure timely closing of loan

go outside to key referral relationships to drive mortgage business

introduce clients to segment partners

keep abreast of trends and developments in local marketplace

appropriately assess risk.

How You'll Work.

Team & Collaboration

Engages internally with retail branch partners, operations, community business development officers. Work as a team with all internal partners to support and grow our customers. Partner with Operations teams to ensure the seamless transfer of the loan application.

Communication Scope

exchange information in a concise and logical way; sensitive to audience diversity

Full Job Description

The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers. Responsibilities: * Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals. * Collect and analyze information about the customer's financial situation

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