Mortgage Representative

Citi • O’Fallon, MO

19h • 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 and function's goals. They are responsible for ensuring quality and service, and may recommend new options to enhance productivity. The position requires tact and diplomacy when exchanging complex or sensitive information, being sensitive to audience diversity. Basic knowledge of the organization, business, and policies is required. The role typically involves resolving basic to moderately complex problems based on practice and precedence, and assessing applicability of similar experiences to evaluate options not covered by procedures. 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.

Requirements

• Sales oriented individual proficient with 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.
• High School diploma or equivalent.
• 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.

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.

Benefits

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
• discretionary and formulaic incentive and retention awards

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 5,001-10,000 employees