Loan Officer - Contra Costa

Role Overview

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 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 and drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers.

• 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, tolerance for risk, future plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information 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 their financial and personal objectives.
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and position Citi as a provider of lending and other financial solutions, including to real‑estate agencies, builders, and other referral sources.
• Visit customers outside of Citi’s offices as needed based on clientele, geography, market conditions, and other factors.
• Work as a team with all internal partners to support and grow our customers.
• Refer customers seeking services other than lending solutions to the appropriate Citi professionals.
• Partner with Operations teams to ensure a seamless transfer of the loan application and obtain any additional information needed by Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the customer’s loan.
• Go out 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, as well as changing rules and regulations across the industry, and expand internal and external networks to better serve clients and industry professionals.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation, safeguarding Citi, 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.
• 3+ years of previous mortgage sales experience required.
• Residential mortgage experience required.
• Established book of business.
• Proven product sales capability required.
• FHA/VA & conventional loan experience 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…