Mortgage Specialist SAFE Act - B10

Hybrid Mortgage Representative

The Hybrid Mortgage Representative is an experienced consumer-facing sales position 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 Strategic Markets lending. The role is directly responsible for the sale of mortgage products directly to clients.

• Serve in a hybrid (in-market/in call center) functionality, engaging in community business development and activities in partnership with Strategic Markets business development officers to drive mortgage opportunity and lending.
• Drive business opportunity by working with community leaders, realtors, developers, employers, builders and other potential lead sources to build a book of business.
• Present locally on Citi’s mortgage products, including at consumer events such as home ownership seminars to realtors / builders during in-office presentations and lunch-n-learns.
• Participate in diverse realtor organization events, chambers of commerce and other business groups to drive mortgage opportunity and build a book of business.
• Partner with Business Development Officer to build go-to-market strategy and partnership to achieve local market goals.
• Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.
• Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
• Analyze financial information for customers 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 the customer’s financial and personal objectives.
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi's brand and position Citi as the provider for lending and other financial solutions, including to real estate agencies, builders, other referral sources, and customers.
• Work as a team with all internal partners to support and grow our 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 to the Processors and to acquire any additional information needed by the Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
• Appropriately assess risk when business decisions are made, ensuring compliance with applicable laws, rules and regulations, and safeguarding Citigroup’s reputation.
• Keep abreast of trends and developments in the local marketplace and expand 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 quarter.

• Experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs, and 3rd party assistance programs.
• 5+ years of previous mortgage sales experience.
• Expertise in general lending products and the overall mortgage industry, including FHA/VA & conventional.
• Demonstrated customer service skills.
• Ability to speak, read, write and present in both Spanish and English.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• 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.
• Strong relationship development, management skills and emotional intelligence.
• Self‑motivated and able to work independently to build business opportunities with local community leaders, realtors, builders, and other potential sources.

This position requires the…