Home Lending Advisor: Mortgage Solutions Expert

Citi; New York (NY); On-site; USD 60,000 - 175,000; Full time

Job summary

Citi Bank Retail Mortgage provides home lending services through Citibank branches and centralized centers. The Home Lending Officer originates high-quality residential real estate loans, engaging with clients, real estate agents, and referral sources to drive mortgage sales and client relationships.

The role collaborates with branch partners, operations, and other Citi professionals to ensure seamless loan processing and timely closings, while staying compliant with applicable laws and Citi

Qualifications

• 2-5 years relevant experience.
• 3+ years previous mortgage sales experience required.
• Residential Mortgage experience required.
• Established book of business.
• Proven product sales capability is required.
• FHA/VA & conventional loan experience is preferred.
• Ability to comprehend and explain financial calculations.
• 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.
• Strong relationship development and management skills.
• Expertise of general lending products and overall mortgage industry.

Responsibilities

• Consult with customers about their financial situation and lending needs to help them achieve home ownership goals.
• Collect and analyze information about customers' financial situation, goals, income, assets, debts, and credit history.
• Analyze financial information to assess loan qualification.

Skills

Mortgage sales

Customer service

Relationship management

Lending knowledge

Financial calculations

Communication skills

Regulatory knowledge

Loan documentation

Education

Bachelor’s/University degree or equivalent experience

Job description

Citi Bank Retail Mortgage provides home lending services through Citibank branches and centralized centers. The Home Lending Officer originates high-quality residential real estate loans, engaging with clients, real estate agents, and referral sources to drive mortgage sales and client relationships.

The role collaborates with branch partners, operations, and other Citi professionals to ensure seamless loan processing and timely closings, while staying compliant with applicable laws and Citi