Community Mortgage Lending Officer; SAFE Act - IL

Responsibilities

• 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 the customer's financial situation, goals, risk tolerance, future plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information to assess whether the customer and property may qualify for a particular lending solution.
• Make recommendations to customers about which lending solutions best meet their financial and personal objectives.
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and its financial services to real estate agencies, builders, referral sources, and customers.
• Visit customers outside of Citi’s offices, varying visits based on clientele, geography, market conditions, and other factors.
• Work as a team with all internal partners to support and grow 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, providing documents to Processors and acquiring additional information as needed.
• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
• Go outside to key referral relationships (Realtors, CPAs, 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 the local marketplace and changing rules and regulations across the industry, expanding internal and external networks to better serve clients and industry professionals.
• Attend a minimum of 2–3 diverse Realtor and/or affordable housing nonprofit events per month.
• 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.

• 2–5 years of relevant experience
• Residential mortgage experience required
• 3+ years of previous mortgage sales experience required
• Established relationships with diverse realtor organizations and affordable lending nonprofits in the origination territory
• Experience with community loan products, including specialized LMI mortgage solutions, lender-paid assistance programs, and third‑party assistance programs
• Established book of business
• 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
• Self‑motivated and able to work independently
• Strong relationship development and management skills
• Expertise in general lending products and overall mortgage industry
• Register as a mortgage loan originator with the Nationwide Mortgage Licensing System & 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% being either CRA‑eligible or within minority tracts

• Bachelor’s/University degree or equivalent experience

Citigroup is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility w Citi’s EEO Policy Statement and the Know Your Rights poster.