Residential Mortgage Lending Officer (SAFE Act)

Citi; San Francisco (CA); Sur place; USD 60 000 - 175 000; Plein temps

Résumé du poste

Citi is seeking a Mortgage Lending Officer in San Francisco to originate high-quality residential real estate loans. The role collaborates with branch partners and referral sources to grow mortgage business, while guiding clients through financial decisions and loan options.

Candidates should have 3+ years of mortgage sales experience, an established book of business, and knowledge of FHA/VA and conventional loans. The position requires NMLS registration and strong relationship skills.

Qualifications

• 2–5 years of relevant mortgage sales experience.
• 3+ years in mortgage sales required.
• Residential mortgage experience required.
• Established book of business.
• Proven product sales capability.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• 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.
• Register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier.

Responsabilités

• Consult with customers about financial situation, objectives, and lending needs.
• Collect and analyze information about customer finances, goals, risk tolerance, plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information to assess potential qualification for lending solutions.
• Make recommendations on lending solutions to meet customer objectives.
• Advise customers about risks and benefits of alternative lending solutions.
• Promote Citi’s lending products to real estate agencies, builders, and referral sources.
• Visit customers outside Citi offices as needed.
• Work with internal partners to support and grow customers.
• Refer customers to Citi professionals for other financial services.
• Coordinate with Operations, Processors, and Underwriters to provide required documents and information.
• Work with Processors/Closers to ensure timely loan closing.
• Develop referral relationships with Realtors, CPAs, builders, etc.
• Introduce clients to Citi segment partners when appropriate.
• Stay updated on local market trends and regulatory changes.
• Assess risk and comply with laws, Citi policies, and ethical standards.

Connaissances

Mortgage sales

Customer service

Relationship management

Communication skills

Financial calculations

Industry knowledge

Formation

Bachelor’s degree

Description du poste

Citi is seeking a Mortgage Lending Officer in San Francisco to originate high-quality residential real estate loans. The role collaborates with branch partners and referral sources to grow mortgage business, while guiding clients through financial decisions and loan options.

Candidates should have 3+ years of mortgage sales experience, an established book of business, and knowledge of FHA/VA and conventional loans. The position requires NMLS registration and strong relationship skills.