Residential Mortgage Advisor & Relationship Builder

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

Benefits offered by this job

Medical, dental & vision coverage

401(k) plan

Paid time off

Wellness programs

Job summary

Citi Bank Retail Mortgage provides home lending services via 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.

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 preferred.
• Knowledge of the laws and regulations that govern consumer lending, including RESPA.

Responsibilities

• Consult with customers about their financial situation and lending needs to help achieve home ownership goals.
• Collect and analyze customer's financial situation, goals, risk tolerance, income, assets, debts, and credit history.
• Analyze financial information to assess whether the customer and the property may qualify for a lending solution.
• Make recommendations on lending solutions to meet objectives.
• Advise customers about the consequences and benefits of lending options.
• Promote Citi's brand and mortgage services to real estate agents and referral sources.
• Visit customers outside of Citi's offices as required by geography and clientele.
• Work with internal partners to grow our customer base.
• Refer customers to Citi professionals for other financial services.
• Coordinate with Operations to provide documents to Processors/Underwriters.
• Work with Processors/Closers to ensure timely loan closing.
• Develop referral relationships with Realtors, CPAs, builders, etc.
• Keep abreast of trends and regulatory changes; expand network.
• Assess risk in business decisions in line with firm policies.

Skills

Customer service

Relationship management

Sales ability

Communication skills

Financial analysis

Mortgage knowledge

Education

Bachelor's degree or equivalent

Job description

Citi Bank Retail Mortgage provides home lending services via 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.