Dedicated Lending Associate (SAFE Act)

About the Position

Join Citi as a Dedicated Lending Associate (SAFE Act) in Vernon Hills, Illinois. Contribute to strategic plans, assist in mortgage lending, and support product specialists.

Responsibilities

• Deliver mortgage lending services to clients in consultation with assigned Home Lending Officer(s) in all aspects of the loan application process to include: collecting borrower information, consulting a borrower on mortgage options; quoting rates/terms from the system, and addressing follow-ups on the application/mortgage processing.
• Gather information from clients and other third party sources such as title companies and real estate agents, and apply judgement based on practice and precedence to determine needed items to submit files to underwriting for approval.
• Monitor application pipeline to ensure key dates (consent, lock, lock expiration, anticipated closing dates) are met and communicate with clients on requirements and timelines.
• Manage the marketing process for the Home Lending Officer supported, which includes marketing material management and follow-up on prospective customer leads as needed, working open houses, realtor agent events and training events.
• 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.
• Manage customer inquiries as well as build and maintain relationships with client book of work.
• 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.

Requirements

• 1-3 years of relevant experience in Mortgage/Loan Origination.
• Banking experience preferred.
• Consistently demonstrates clear and concise written and verbal communication.
• 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, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

Education

• Bachelor’s/University degree or High School diploma/equivalent with at least 2 years of relevant Loan Origination experience.

Competencies

• Expert knowledge of general lending products and services and pricing alternatives in the industry.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Strong communication skills 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.
• Self-starters who can work independently or work with existing partnerships with a proven track record.
• Ability to work as part of a team to grow the assigned branch/branches or community organization.

We Offer

• Competitive salary range: $72,000.00 - $105,000.00 per year.
• Comprehensive employee benefits, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs.
• Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.
• Opportunity to grow your career within a global organization.

About the Company

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.