Senior Home Lending Officer - Mortgage Specialist

Citi; New York (NY); On-site; USD 102,000 - 138,000; Full time

Job summary

Citi's Roslyn, NY location seeks a Senior Mortgage Lending Officer to originate high-quality residential real estate loans. The role collaborates with branch partners, operations and referral sources to drive mortgage sales and client relationships while maintaining risk controls.

The position requires 5-8 years in residential mortgage, strong sales capability and excellent customer service. Travel to client sites may be required, with competitive compensation and Citi benefits.

Qualifications

• 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.

Responsibilities

• Consult with customers about their financial situation, objectives and lending needs
• Collect and analyze information about the customer's financial situation, goals, risk tolerance and credit history
• Analyze financial information to determine if they qualify for a lending solution
• Make recommendations to customers about which lending solutions meet their objectives
• Advise customers about consequences, risks and benefits of lending solutions
• Promote Citi's brand and lending solutions to real estate agents, referrals and clients
• Visit customers outside Citi's offices as required
• Collaborate with internal partners to support and grow customers
• Refer clients to Citi professionals for other financial services
• Coordinate with Operations to transfer loan applications and obtain required information
• Work with Processors/Closers to ensure timely loan closing
• Develop referral networks with Realtors, CPAs, builders, etc.
• Assess risk when making business decisions and adhere to Citi policies and laws
• Build and maintain relationships with clients, bank teams, wealth advisors and support teams
• Introduce Citi Wealth Teams to clients to expand relationships
• Keep abreast of local market trends and regulatory changes
• Target production thresholds (e.g., >$50M or 150 units annually)

Skills

Residential mortgage experience

Sales experience

Customer service

Communication

Lending knowledge

Relationship management

Financial calculations

Education

Bachelor's/University degree

Job description

Citi's Roslyn, NY location seeks a Senior Mortgage Lending Officer to originate high-quality residential real estate loans. The role collaborates with branch partners, operations and referral sources to drive mortgage sales and client relationships while maintaining risk controls.

The position requires 5-8 years in residential mortgage, strong sales capability and excellent customer service. Travel to client sites may be required, with competitive compensation and Citi benefits.