Senior Mortgage Lending Officer (SAFE Act) - NEW YORK

We need to output HTML fragment with sections only when there is real specific content. Use

for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We need to parse the posting. First, job title is Mortgage Lending Officer (but we do not repeat as heading). We need to include About the role: likely the introductory paragraph(s) describing role. Responsibilities: list after "Responsibilities:" bullet points. Requirements: maybe "Qualifications" includes experience, education, etc. The posting has "Qualifications:" then bullet list. Also "Education:" separate. Could combine under Requirements? The instruction: Use headings for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we need to decide what goes where. We have content: description of role (first paragraph). Then responsibilities list. Then qualifications list (experience, etc). Then education. Then registration requirement. Then job family group etc (metadata). Then salary range (Pay). Then benefits description. Then skills sections (Most Relevant Skills, Other Relevant Skills) but they say see requirements above. So we may not need a Skills section if no specific content. The instruction: include a section ONLY when posting has real, specific content for it. The "Most Relevant Skills" says "Please see the requirements listed above." That's not specific content, so we should not create Skills section. Similarly "Other Relevant Skills" says see above. So skip Skills. Pay: we have salary range: $120,000.00 - $120,000.00 (so a specific number). Also mention discretionary incentive etc. So we can include Pay section. Benefits: we have description of benefits: medical, dental & vision coverage; 401(k); life, accident, disability insurance; wellness programs; paid time off packages. So we can include Benefits. Schedule: we have Time Type: Full time. That's schedule info. So we can include Schedule. Requirements vs Qualifications: The posting has "Qualifications:" list and also "Education:" separate. Could treat Qualifications as the list of experience, sales, product sales capability, FHA/VA & conventional loan experience preferred, ability to comprehend financial calculations, communication, knowledge of laws, customer service skills, self-motivated, relationship development, expertise of lending products. Education: Bachelor's/University degree or equivalent experience. Also registration requirement. So we could put all that under Qualifications. Requirements maybe could be empty; but we need to include a section only if there is real specific content. If we put everything under Qualifications, we might omit Requirements heading. But we could also split: Requirements could be the experience and education, while Qualifications could be skills? However the instruction says use those headings; we can decide to put experience/education under Requirements, and the specific skill-based qualifications under Qualifications. But we need to avoid duplication. Let's examine: The posting says "Qualifications:" then bullet list of experience, sales, product sales capability, FHA/VA & conventional loan experience preferred, ability to comprehend and explain financial calculations, ability to communicate about documents, knowledge of laws, demonstrated customer service skills, self-motivated, strong relationship development, expertise of general lending products and overall mortgage industry. Then "Education: Bachelor's/University degree or equivalent experience". Then registration requirement. Thus we could treat: - Requirements: maybe the experience and education (5-8 years experience, 1+ year sales, etc, Bachelor's degree). But the bullet list includes many skill items; those could be Qualifications. Better: Use Requirements for the mandatory experience and education; Qualifications for the preferred skills and knowledge. But the instruction: "Prefer a few substantive sections over many thin ones." So maybe we combine everything into Qualifications and skip Requirements. However we need to follow the headings list; we can omit Requirements if no specific content distinct from Qualifications. But we have content that could be considered Requirements (experience, education). So we could include Requirements with those items. Let's decide: Section About the role: introductory paragraphs describing role. Responsibilities: the list after "Responsibilities:" (bullet points). Requirements: experience (5-8 years residential mortgage, 1+ year sales/credit/finance, proven product sales capability) and education (Bachelor's/University degree or equivalent experience) and registration requirement (must register as mortgage loan originator with NMLS). Also maybe FHA/VA & conventional loan experience preferred? That's more qualification. Qualifications: ability to comprehend financial calculations, communicate documents, knowledge of laws, customer service skills, self-motivated, relationship development, expertise of lending products, FHA/VA & conventional loan experience preferred. Skills: we could skip because no specific content beyond what's in Qualifications. Benefits: as described. Pay: salary range and discretionary incentive. Schedule: Full time. We must not include boilerplate like EEO, AI notice, etc. We must not include duplicated lines. We must preserve all substantive information. Let's extract the About the role text: The first paragraph(s) before "Responsibilities:". Original: "The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with 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 provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers." That's the About the role. Now Responsibilities: list after "Responsibilities:" until before "Qualifications:" (or before "> $50M or 150 units..."?). Actually after responsibilities there is a line: "> $50M or 150 units of annual production (not to be published publicly)" which seems like a performance target, maybe part of responsibilities? It's a bullet? It's not preceded by a bullet. It appears after responsibilities list and before Qualifications. It could be considered a responsibility or a performance expectation. We'll include it as a responsibility bullet. Let's capture responsibilities bullet points: - 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 customers' financial and personal objectives - Advise customers about the consequences, risks, and benefits of alternative lending solutions. - Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers. - Visit customers outside of Citi's offices, with such visits to vary based on clientele, geography, market conditions, and other factors. - Work as a team with all internal partners to support and grow our customers. - Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals. - 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. - Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank. - 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. - Build and maintain relationship with clients, Bank Teams, Wealth Advisors and support teams to drive new business and retention of mortgage lending and bank deposits and investments - Introduce Citi Wealth Teams (bankers, wealth advisors, small business) to self-sourced clients and work together to expand / deepen relationships, and work together on strategic plans to acquire new clients - 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 and represent Citi at industry events as a subject matter expert. - >$50M or 150 units of annual production (not to be published publicly) Now Qualifications: after "Qualifications:" list until "Education:" maybe. Qualifications bullet list: - 5-8 years of experience - Residential Mortgage experience required - 1+ year previous sales, credit and/or finance experience required - Proven product sales capability is required - FHA/VA & conventional loan experience is preferred - 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 - Strong relationship development and management skills - Expertise of general lending products and overall mortgage industry. Education: Bachelor's/University degree or equivalent experience Registration requirement: 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. We could put education and registration under Requirements or Qualifications. Let's decide: Requirements: experience (5-8 years residential mortgage, 1+ year sales/credit/finance, proven product sales capability) and education (Bachelor's/University degree or equivalent experience) and registration requirement. Qualifications: the rest: FHA/VA & conventional loan experience preferred, ability to comprehend financial calculations, ability to communicate documents, knowledge of laws, customer service skills, self-motivated, relationship development, expertise of lending products. But note that some of those also appear in requirements list (like proven product sales capability is required). We'll split as above. Now Benefits: description after "Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire." We'll capture that. Pay: "Primary Location Full Time Salary Range: $120,000.00 - $120,000.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and