Senior Mortgage Lending Advisor

Sacbar; Oakland (CA); On-site; USD 70,000 - 110,000; Full time

Job summary

Citi is hiring a Mortgage Lending Officer in Oakland, CA to originate high-quality residential real estate loans and manage client relationships. The role collaborates with branch partners, operations, and referral sources to drive mortgage sales and provide excellent service.

The position emphasizes teamwork, subject matter expertise in lending, and proactive engagement with real estate agents and clients to meet homeownership goals.

Responsibilities

• Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.
• Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
• Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution.
• Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers.
• Visit customers outside of Citi's offices, with such visits to vary based on clientele, geography, market conditions, and other factors.
• Work as a team with all internal partners to support and grow our customers.
• Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals.
• Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
• Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Build and maintain relationship with clients, Bank Teams, Wealth Advisors and support teams to drive new business and retention of mortgage lending and bank deposits and investments
• Introduce Citi Wealth Teams (bankers, wealth advisors, small business) to self-sourced clients and work together to expand

Job description

Citi is hiring a Mortgage Lending Officer in Oakland, CA to originate high-quality residential real estate loans and manage client relationships. The role collaborates with branch partners, operations, and referral sources to drive mortgage sales and provide excellent service.

The position emphasizes teamwork, subject matter expertise in lending, and proactive engagement with real estate agents and clients to meet homeownership goals.