Lending Officer - Broward

Home Lending Officer - Broward County Job 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. It integrates established disciplinary knowledge within its specialty area with basic understanding of related industry practices. The candidate demonstrates a good understanding of how the team interacts with others in accomplishing the objectives of the area, develops working knowledge of industry practices and standards, and can exchange information in a concise and logical way while being sensitive to audience diversity.

The impact of the job holder is limited but direct, focusing on the quality of tasks/services provided within the team.

Citi is a leading global financial services company with around 200 million customer accounts and operations in more than 160 countries and jurisdictions. It offers a broad range of financial products and services, including consumer banking, corporate and investment banking, securities brokerage, and wealth management.

Citi Bank Retail Mortgage provides home‑lending services through Citibank branches and centralized service centers. The Home Lending Officer represents the Retail Mortgage business, providing superior service to clients and referral partners and is responsible for originating high‑quality residential real‑estate loans. This highly interactive role engages 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 referral sources.

• Consult with customers about their financial situation, 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 potential eligibility of the customer and property for specific lending solutions.
• Make recommendations on lending solutions that best meet the customer’s financial and personal objectives.
• Advise customers on the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and services to real‑estate agencies, builders, and other referral sources.
• Visit customers outside Citi offices as needed based on clientele, geography, and market conditions.
• Collaborate with internal partners to support and grow customer relationships.
• Refer customers seeking services beyond lending to appropriate Citi professionals.
• Partner with Operations to ensure seamless transfer of loan applications and provide needed documents to Processors and 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 toward the bank.
• Introduce clients to segment partners (Bank, Wealth Management, Small Business, Cards, etc.) when appropriate.
• Stay abreast of local market trends, rule changes, and expand internal and external networks to better serve clients.
• Assess risk in business decisions, uphold Citigroup’s reputation, enforce compliance with laws and regulations, apply sound ethical judgment, and report control issues transparently.

• 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.
• Experience with FHA/VA and conventional loans preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate necessary documents and information to obtain 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.
• Candidate must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and…