Mortgage Specialist SAFE Act - B10

Citi•Irving, TX

29d•Hybrid

About The Position

Serve in a hybrid (in-market/in call center) functionality, engaging in community business development and activities in partnership with Strategic Markets business development officers to drive mortgage opportunity and lending. Drive business opportunity by working with community leaders, realtors, developers, employers, builders and other potential lead sources to build book of business. Participate in diverse realtor organization events, chambers of commerce and other business groups to drive mortgage opportunity and build book of business. Partner with Business Development Officer to build go-to-market strategy and partnership to achieve local market goals. Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals. Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history. Analyze financial information for customers 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 the customer's financial and personal objectives Advise customers about the consequences, risks, and benefits of alternative lending solutions. Work as a team with all internal partners to support and grow our customers. Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire 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. Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals Attend a minimum of 2 - 3 Diverse Realtor and/or affordable housing nonprofit events per quarter. Experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs, 3rd party assistance programs, required.

Requirements

5+ years previous mortgage sales experience required
Expertise of general lending products and overall mortgage industry, including FHA/VA & conventional.
Ability to speak, read, write and present in both Spanish and English, required
The ability to comprehend and explain financial calculations and pricing alternatives.
The 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
Self-motivated and able to work independently to build business opportunities with local community leaders, realtors, builders and other potential sources.
Strong relationship development, management skills and emotional intelligence.
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.
Bachelor's/University degree or equivalent experience

Responsibilities

Engaging in community business development and activities in partnership with Strategic Markets business development officers to drive mortgage opportunity and lending.
Drive business opportunity by working with community leaders, realtors, developers, employers, builders and other potential lead sources to build book of business.
Participate in diverse realtor organization events, chambers of commerce and other business groups to drive mortgage opportunity and build book of business.
Partner with Business Development Officer to build go-to-market strategy and partnership to achieve local market goals.
Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.
Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
Analyze financial information for customers 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 the customer's financial and personal objectives
Advise customers about the consequences, risks, and benefits of alternative lending solutions.
Work as a team with all internal partners to support and grow our customers.
Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire 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.
Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals
Attend a minimum of 2 - 3 Diverse Realtor and/or affordable housing nonprofit events per quarter.