Senior Residential Mortgage Advisor

Citi; Gaithersburg (MD); On-site; USD 108,000 - 132,000; Full time

Benefits offered by this job

Medical/Dental/Vision

401(k)

Life/Disability Insurance

Wellness programs

Paid time off

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, collaborating with branches, operations, and referral partners to grow mortgage business.

The role requires 5–8 years of residential mortgage experience, a Bachelor's degree, and solid knowledge of lending regulations. Excellent client service and relationship skills are essential.

Qualifications

• 5–8 years of experience in residential mortgage lending.
• Experience with FHA/VA and conventional loans preferred.
• Ability to explain pricing calculations to clients.
• Knowledge of consumer lending laws and RESPA.
• Strong relationship development and sales skills.

Responsibilities

• Consult with customers to understand financial goals and loan needs.
• Analyze financials to determine suitable lending solutions.
• Recommend lending options aligned with client objectives.
• Promote Citi lending products to clients and referral sources.
• Collaborate with branches, operations, processors, and underwriters.
• Drive mortgage business through relationships with real estate agents and builders.

Skills

Mortgage experience

Sales capability

Financial calculations

Documentation needed

Regulatory knowledge

Customer service

Relationship management

Independent work

Lending products knowledge

Education

Bachelor's degree

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, collaborating with branches, operations, and referral partners to grow mortgage business.

The role requires 5–8 years of residential mortgage experience, a Bachelor's degree, and solid knowledge of lending regulations. Excellent client service and relationship skills are essential.