Citigroup, Inc

Community Lending Officer - San Jose, CA (Evergreen) - Hybrid

Citigroup, Inc • $90K *
Richmond, CA 94804In-Person
Finance & Insurance
Less than 5 years of experience
1 week ago
Job Overview by Ladders

Qualifications

  • 2-5 years relevant experience
  • Residential Mortgage experience required
  • 3+ years previous mortgage sales experience
  • Established relationships with diverse realtor organizations and affordable lending nonprofits
  • Experience with community loan products and specialized LMI mortgage solutions
  • Established book of business
  • FHA/VA & conventional loan experience preferred
  • Ability to communicate financial concepts clearly
  • Knowledge of consumer lending laws and regulations
  • Demonstrated customer service skills
  • Self-motivated and independent
  • Strong relationship development skills

Responsibilities

  • Consult with customers about their financial situations and lending needs
  • Collect and analyze customer financial information
  • Analyze financial details to assess lending qualifications
  • Make recommendations on suitable lending solutions
  • Advise customers on risks and benefits of lending options
  • Promote Citi's brand and lending solutions to clients
  • Visit clients outside Citi's offices based on market conditions
  • Work with internal partners to support customer needs
  • Refer customers to appropriate financial professionals
  • Coordinate with Operations teams for seamless loan processing
  • Drive mortgage business through key referral relationships
  • Attend diverse realtor and affordable housing nonprofit events

Benefits

  • Comprehensive health and wellness programs
  • Opportunities for continuous education and training
  • Supportive work environment for professional growth
  • Diverse and inclusive workplace culture
  • Impactful community engagement and involvement incentives
Full Job Description
The Community Mortgage Lending Officer is an entry level position responsible for driving mortgage sales and client relationships through engagement with community clients, diverse real estate agents, and affordable housing non-profit partners in coordination with the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients.

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
  • Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.
  • Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals
  • Attend a minimum of 2 - 3 Diverse Realtor and/or affordable housing nonprofit events per month.
  • 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.


This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities. As part of this registration process, you must be fingerprinted unless you have fingerprints are on file with NMLS Registry that are less than 3 years old. This position further requires that you maintain and renew that registration on an annual basis, update registration information with the Registry on a timely basis, and provide your unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

Qualifications:

  • 2-5 years relevant experience
  • Residential Mortgage experience required
  • 3+ years previous mortgage sales experience required
  • Established relationships with diverse realtor organizations and affordable lending nonprofits in origination territory
  • Experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programs.
  • Established book of business
  • 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.
  • This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing
  • System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities.
  • Originate minimum of 3 loans per month with a minimum mix of 50% being either CRA eligible or within minority tracts.


Education:

  • Bachelor's/University degree or equivalent experience


Job Family Group:
Consumer Sales

Job Family:
Consumer Product Sales

Time Type:
Full time

Primary Location:
Richmond California United States

Primary Location Salary Range:
$90,000.00 - $90,000.00

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

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Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Finance & Insurance
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ
C
* Ladders Estimates

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