Mortgage Lending Officer SAFE Act - GARDEN GROVE

Job Summary

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. It integrates established disciplinary knowledge within its specialty area with a basic understanding of related industry practices. The officer must possess a good understanding of how the team interacts with others in accomplishing the objectives of the area and develop working knowledge of industry practices and standards.

The role requires concise and logical communication, sensitivity to audience diversity, and a limited but direct impact on the business through the quality of the tasks and services provided, primarily within the own team.

• Consult with customers about their financial situation, 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 determine whether the customer and property qualify for a particular lending solution.
• Make recommendations on lending solutions that best meet customers' 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, other referral sources, and customers.
• Visit customers outside of Citi’s offices as needed based on clientele, geography, market conditions and other factors.
• Work with all internal partners to support and grow customers.
• Refer customers who need services other than lending solutions to the appropriate Citi professionals.
• Collaborate with Operations teams to ensure the seamless transfer of the loan application to Processors and to acquire additional information required by Processors or Underwriters.
• Work with Processors/Closers and customers to ensure timely closing of the loan.
• Engage 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.).
• Keep abreast of trends, developments in the local marketplace, and changing regulations to better serve clients and industry professionals.
• Appropriately assess risk when making business decisions, demonstrating care for the firm’s reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to policy, and applying sound ethical judgment.

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

• Bachelor’s or University degree or equivalent experience.

In addition to salary, Citi offers a comprehensive benefits package that may include medical, dental and vision coverage, 401(k), life, accident, and disability insurance, wellness programs, paid time off (vacation, sick leave, paid holidays) and discretionary and formulaic incentive and retention awards, depending on jurisdiction and job level.

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 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.