Mortgage Lending Officer SAFE Act - BROOKLYN

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 is a global financial services company with over 200 million customer accounts and operates in more than 160 countries and jurisdictions. 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 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 home ownership goals.
• Collect and analyze information about their financial situation, goals, risk tolerance, future plans, income, assets, debts, cash flow and credit history.
• Analyze financial information to make an initial assessment regarding qualification for a particular lending solution.
• Make recommendations about which lending solutions best meet customers’ objectives.
• Advise customers on 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 referral sources.
• Visit customers outside Citi offices as required by client profile, geography, and market conditions.
• Work as a team with internal partners to support and grow our customers.
• Refer customers seeking services other than lending to appropriate Citi professionals.
• Partner with Operations teams to ensure a seamless transfer of the loan application, providing documents to processors and acquiring additional information needed by processors and/or underwriters.
• Work with processors/closers and customers to ensure timely closing of the 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 market trends, regulatory changes and expand internal and external networks to better serve clients and industry professionals.
• Appropriately assess risk when making business decisions, demonstrating consideration for Citi’s reputation and safeguarding the firm by driving compliance with laws, regulations, policies, ethical judgment, and reporting control issues with transparency.

• 2–5 years of relevant experience.
• At least 3 years of previous mortgage sales experience.
• Residential Mortgage experience.
• Established book of business.
• Proven product sales capability.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate with customers about the required documents and information for a 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.
• This position requires the employee to register as a mortgage loan originator with the Nationwide…