Community Lending Officer - FL Market

The Community Mortgage Lending Officer is responsible for driving mortgage sales and client relationships through engagement with community clients, diverse real estate agents, and affordable housing non‑profit partners in coordination with the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients.

• Consult with customers about their financial situation, personal objectives, and lending needs to help them achieve their home ownership goals.
• Collect and analyze information about customers’ financial situation, goals, risk tolerance, future plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information to make an initial assessment of qualification for a lending solution.
• Make recommendations about lending solutions that best meet customers’ objectives.
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and financial services to real estate agencies, builders, referral sources, and customers.
• Visit customers outside Citi’s offices, with visits tailored to clientele, geography, and market conditions.
• Work as a team with all internal partners to support and grow customer relationships.
• Refer customers seeking services beyond lending to the appropriate Citi professionals.
• Partner with Operations teams to ensure seamless transfer of loan applications to Processors and acquire any additional information needed by Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure timely closing.
• Engage key referral relationships (Realtors, CPAs, Builders, etc.) to drive mortgage business into the bank.
• Appropriately assess risk when making business decisions, demonstrating consideration for the firm’s reputation and safeguarding Citigroup, its clients, and assets.
• Introduce clients to segment partners when appropriate (Bank, Wealth Management, Small Business, Cards, etc.).
• Keep abreast of local market trends and changing regulations; expand internal and external network to better serve clients and industry professionals.
• Attend a minimum of 2–3 diverse realtor and/or affordable housing nonprofit events per month.

• 2–5 years of relevant experience.
• Residential mortgage experience required.
• 3+ years of mortgage sales experience required.
• Established relationships with diverse realtor organizations and affordable lending nonprofits in the origination territory.
• Experience with community loan products inclusive of specialized LMI mortgage solutions, lender‑paid assistance programs, and third‑party assistance programs.
• Established book of business.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate with customers about the proper documents and information needed for a particular loan.
• Knowledge of laws and regulations governing consumer lending, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills.
• Self‑motivated and able to work independently.
• Strong relationship development and management skills.
• Expertise in general lending products and the overall mortgage industry.
• Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier before engaging in mortgage loan originator activities.
• Originate a minimum of 3 loans per month with a minimum mix of 50% either CRA eligible or within minority tracts.

• Bachelor’s/University degree or equivalent experience.

The 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 before engaging in mortgage loan originator activities. You must be fingerprinted unless fingerprints on file with the NMLS Registry are less than 3 years old. The position further requires maintaining and renewing that registration annually, updating registration information on time, and providing the unique identifier to consumers as required by SAFE Act regulations and Citi policies.

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