Senior Mortgage Lending Officer SAFE Act - NORTH LAS VEGAS

About the role

This is a developing professional role that identifies policy and applies specialty knowledge in monitoring and assessing processes and data. The role integrates established disciplinary knowledge within the mortgage lending specialty with a basic understanding of related industry practices. You will develop a working knowledge of industry practices and standards, and understand how the team interacts with others to accomplish objectives. The position has a limited but direct impact on the business through the quality of tasks and services provided, with impact primarily restricted to the team.

As a Senior Mortgage Lending Officer, you will represent Citi Bank Retail Mortgage, providing superior service to clients and referral partners while originating high-quality residential real estate loans. This highly interactive role involves collaboration with retail branch partners, operations, and community business development officers to drive mortgage sales and client relationships through engagement with clients, real estate agents, and other referrers.

Responsibilities

• Consult with customers about their financial situation, objectives, and lending needs to help them achieve home ownership goals.
• Collect and analyze customer financial information, including income, assets, debts, cash flow, credit history, and financial goals.
• Assess whether customers and properties qualify for specific lending solutions and recommend suitable options.
• Advise customers on the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and financial services to real estate agencies, builders, referral sources, and customers.
• Conduct client visits outside Citi’s offices, varying based on clientele, geography, and market conditions.
• Collaborate with internal partners to support and grow customer relationships.
• Refer customers seeking non-lending financial services to appropriate Citi professionals.
• Partner with Operations teams to ensure seamless loan application processing and document acquisition.
• Work with Processors, Closers, and customers to ensure timely loan closings.
• Develop and maintain key referral relationships (e.g., Realtors, CPAs, Builders) to drive mortgage business.
• Assess risk in business decisions while safeguarding Citi’s reputation and compliance with laws and regulations.
• Build and maintain relationships with clients, Bank Teams, Wealth Advisors, and support teams to drive new business and retain mortgage lending, deposits, and investments.
• Introduce Citi Wealth Teams to self-sourced clients to expand relationships and acquire new clients.
• Stay abreast of local market trends, industry regulations, and expand professional networks to represent Citi at industry events.

Requirements

• 5-8 years of residential mortgage experience.
• 1+ year of previous sales, credit, and/or finance experience.
• Proven product sales capability.
• FHA/VA and conventional loan experience preferred.
• Ability to comprehend and explain financial calculations, pricing alternatives, and required loan documentation.
• Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA.
• Strong customer service, relationship development, and management skills.
• Self-motivated with the ability to work independently.
• 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 (NMLS) before engaging in mortgage loan originator activities.

Qualifications

Bachelor’s degree or equivalent experience.

Pay

Full-time salary range: $120,000.00 - $120,000.00. Eligible employees may also receive discretionary and formulaic incentive and retention awards.

Benefits

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

Schedule

Full time.

Primary location: North Las Vegas, Nevada, United States.