Mortgage Representative (SAFE Act) - OFALLON

Citi•O’Fallon, MO

1d•$60,000 - $60,000•Onsite

About The Position

The Mortgage Representative performs relatively complex assignments and has a direct impact on the business by ensuring the quality of tasks or services. This role operates under little to no direct supervision and may service an expansive and/or diverse array of products/services. The representative applies working knowledge of technical and professional principles and concepts, along with in-depth knowledge of team objectives, understanding how their duties contribute to the team's work and how units coordinate to achieve functional objectives. They are responsible for ensuring the quality and service of their own work and that of others, and may recommend new options to enhance productivity in accordance with guidelines. The position requires tact and diplomacy when exchanging complex or sensitive information, with sensitivity to audience diversity. Basic knowledge of the organization, its business, and policies is required. The representative is typically responsible for resolving basic to moderately complex problems based on practice and precedence, and is able to assess the applicability of similar experiences and evaluate options in circumstances not covered by standard procedures.

Requirements

Sales oriented individual proficient with the following skills: professional oral and written communication, interpersonal, relationship building, follow up, computer experience and analytical thinking and problem solving.
Must have the ability to prioritize, be detail oriented & results driven.
This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities.
High School diploma or equivalent

Nice To Haves

2-4 years previous sales or finance experience preferred

Responsibilities

Conducts inbound/outbound sales calls consulting customers on available loan products while exercising independent judgment by pre-qualifying financial clients.
Establish trust and build rapport with clients.
Understand, articulate, and educate clients on financial calculations, rates, and pricing.
Analyze applicant financial status, credit and property to identify home loan solutions.
Articulate cross-sell/cross referral opportunities.
Strict adherence to phone schedules.
Understand and manage underwriting, government, and compliance guidelines.
Utilize systems to maintain product knowledge, register loans effectively & manage pipeline.
Actively manage leads to meet targeted conversion rates.
Partner with operations teams to provide exceptional service throughout the loan process from application to close.
Compile appropriate documentation and communicate with customer during the process.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.