Mortgage Lending Officer SAFE Act - UNIONDALE

Mortgage Lending Officer

The Mortgage Lending Officer role is a developing professional role within Citi Bank Retail Mortgage. The officer identifies policy and applies specialty knowledge in monitoring and assessing processes and data. The role integrates established disciplinary knowledge within the specialty area, develops a working knowledge of industry practices and standards, and exchanges information concisely while being sensitive to audience diversity. The impact of the job holder is limited to the own team, focusing on the quality of tasks and services provided.

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 for clients. This highly interactive role engages internally 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 regional referrers.

• Consult with customers about their financial situation, financial and 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, plans for the future, income, assets, debts, cash flow, and credit history.
• Analyze financial information 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 their financial and personal objectives.
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and promote Citi as the provider for lending and other financial solutions, including outreach to real estate agencies, builders, and other referral sources.
• Visit customers outside of Citi’s offices, with visits varying based on clientele, geography, market conditions, and other factors.
• 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, providing documents to the Processors and acquiring 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.
• Use 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 trends and developments in the local marketplace, as well as changing rules and regulations across the industry, and expand the internal and external network to better serve clients and industry professionals.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citi, its clients, and assets by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.

• 2‑5 years of relevant experience.
• 3+ years of previous 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 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.
• Demonstrated customer service skills.
• Strong relationship development and management skills.
• Expertise in general lending products and overall mortgage industry.
• This position requires the…