Senior Mortgage Lending Officer (SAFE Act) - Boca Raton

About the role

This developing professional role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. It integrates established disciplinary knowledge within the mortgage lending specialty area with a basic understanding of related industry practices. The role requires a good understanding of how the team interacts with others to accomplish area objectives, develops working knowledge of industry practices and standards, and exchanges information in a concise and logical way while being sensitive to audience diversity. The impact of the job holder is restricted to their own team, with limited but direct impact on the business through the quality of tasks and services provided.

Citi is a leading global financial services company serving approximately 200 million customer accounts across more than 160 countries and jurisdictions. Citi provides a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Citi Bank Retail Mortgage delivers home lending services through Citibank branches and centralized service centers.

Responsibilities

• Consult with customers about their financial situation, objectives, and lending needs to help them achieve homeownership goals.
• Collect and analyze customer financial information including goals, risk tolerance, plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information to assess initial qualification for lending solutions and recommend appropriate options that align with customers’ financial and personal objectives.
• Advise customers on the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and position Citi as the provider for lending and other financial solutions to real estate agencies, builders, referral sources, and customers.
• Conduct customer visits outside Citi offices, with frequency varying by 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 the appropriate Citi professionals.
• Partner with Operations teams to ensure seamless transfer of loan applications, provide required documents to Processors, and obtain additional information needed by Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure timely closing of loans.
• Engage with key referral relationships (Realtors, CPAs, Builders) to drive mortgage business into the bank.
• Assess risk in business decisions with consideration for the firm’s reputation and compliance with applicable laws, rules, and regulations; escalate and report control issues transparently.
• Build and maintain relationships with clients, Bank Teams, Wealth Advisors, and support teams to drive new mortgage lending business and retention of deposits and investments.
• Introduce Citi Wealth Teams to self-sourced clients and collaborate to expand and deepen relationships and develop strategic client acquisition plans.
• Monitor local marketplace trends and regulatory changes; expand internal and external network to better serve clients and industry professionals; represent Citi at industry events as a subject matter expert.

Qualifications

• 5–8 years of professional experience.
• Residential mortgage experience required.
• Minimum 1 year of previous sales, credit, and/or finance experience required.
• Proven product sales capability required.
• FHA/VA and conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate with customers about required documents and information for specific loan products.
• Knowledge of laws and regulations governing consumer lending, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills.
• Self-motivated with ability to work independently.
• Strong relationship development and management skills.
• Expertise in general lending products and the overall 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.

Education: Bachelor’s degree or equivalent experience.

Pay

Full-time salary range: $120,000.00

In addition to salary, eligible employees may receive discretionary and formulaic incentive and retention awards.

Benefits

• Medical, dental, and vision coverage.
• 401(k) plan.
• Life, accident, and disability insurance.
• Wellness programs.
• Paid time off including vacation, sick leave, and holidays.

Available offerings may vary by jurisdiction, job level, and date of hire. For additional information, visit citibenefits.com.