Mortgage Lending Officer SAFE Act -HEIGHTS

Citi • Citrus Heights, CA

5d • $60,000 - $175,000

About The Position

The Mortgage Lending Officer is a developing professional role responsible for originating high-quality residential real estate loans and representing Citi Retail Mortgage. The officer provides service to clients and referral partners, assesses customer needs and financial information, recommends suitable lending solutions, and supports customers through the mortgage application and closing process. The role develops mortgage sales and customer relationships through engagement with clients, real estate agents, and other referral sources, and works closely with internal branch, operations, community business development, processing, and closing partners. The position requires registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtaining a unique identifier before performing mortgage loan originator activities.

Requirements

• 2–5 years of relevant experience.
• At least 3 years of previous mortgage sales experience.
• Residential mortgage experience.
• An established book of business.
• Proven product sales capability.
• Ability to understand and explain financial calculations and pricing alternatives.
• Ability to explain the documents and information customers need to obtain a particular loan.
• Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills.
• Strong relationship development and management skills.
• Expertise in general lending products and the 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/university degree or equivalent experience.

Nice To Haves

• FHA/VA and conventional loan experience is preferred.

Responsibilities

• Consult with customers about their financial situations, objectives, and lending needs to help them achieve homeownership goals.
• Collect and analyze customer information, including financial goals, risk tolerance, income, assets, debts, cash flow, and credit history.
• Assess whether customers and properties may qualify for particular lending solutions.
• Recommend lending solutions that best meet customers’ financial and personal objectives, and explain the consequences, risks, and benefits of alternatives.
• Promote Citi and its financial services to customers, real estate agencies, builders, and other referral sources.
• Visit customers outside Citi offices as appropriate to clientele, geography, market conditions, and other factors.
• Collaborate with internal partners to support and grow customer relationships.
• Refer customers seeking non-lending financial services to appropriate Citi professionals and introduce clients to relevant business segment partners.
• Partner with Operations teams to transfer loan applications and provide or obtain information needed by processors and underwriters.
• Work with processors, closers, and customers to help ensure timely loan closings.
• Develop key referral relationships, including with realtors, CPAs, and builders, to generate mortgage business.
• Monitor local marketplace trends and industry rules and regulations, and expand internal and external networks to better serve clients and industry professionals.
• Assess risk in business decisions, comply with applicable laws and policies, apply sound ethical judgment, safeguard Citi and client assets, and escalate, manage, and report control issues transparently.

Benefits

• Medical, dental, and vision coverage
• 401(k)
• Life, accident, and disability insurance
• Wellness programs
• Paid time off, including vacation and sick leave
• Paid holidays
• Eligible employees may receive discretionary and formulaic incentive and retention awards

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level