Loan Officer - Contra Costa

Overview

The Mortgage Lending Officer role is a developing professional role that identifies policy and applies specialty knowledge in monitoring and assessing processes and data. It integrates disciplinary knowledge with a basic understanding of related industry practices and works with the team to achieve department objectives.

• Consult with customers about their financial situation, personal objectives, and lending needs to help them achieve 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 qualify for a particular lending solution.
• Make recommendations to customers about lending solutions that best meet their financial and personal 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 as needed.
• Collaborate with internal partners to support and grow customers.
• Refer customers to appropriate Citi professionals when their needs are outside lending solutions.
• Partner with Operations to ensure a seamless transfer of the loan application, providing documents to Processors and obtaining additional information needed by Processors and Underwriters.
• Coordinate with Processors/Closers and customers to ensure timely closing of the loan.
• Develop key referral relationships (realtors, CPAs, builders, etc.) to drive mortgage business into the bank.
• Introduce clients to segment partners when appropriate (Bank, Wealth Management, Small Business, Cards, etc.).
• Stay informed of local market trends, regulations, and build networks to better serve clients and professionals.
• Assess risk in business decisions, maintain compliance with laws and policies, and report control issues transparently.

• 2‑5 years of relevant experience.
• 3+ years of mortgage sales experience.
• Residential mortgage experience.
• Established book of business.
• Proven product sales capability.
• FHA/VA and conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate required documents and information for a loan.
• Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills.
• Strong relationship development and management skills.
• Expertise in general lending products and the 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.

• Bachelor’s degree or equivalent experience.

$60,000.00 – $.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to 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 apply, review Accessibility w Citi’s EEO Policy Statement and the Know Your Rights poster.