Senior Mortgage Lending Officer - Danville

About the Position

Senior Mortgage Lending Officer - Danville

Join Citi as a Senior Mortgage Lending Officer in Danville, California. Drive mortgage sales and client relationships.

Responsibilities

• Consult with customers about their financial situation, financial and personal objectives, and lending needs to help 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.
• 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 relationships 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/deepen relationships, and work together on strategic plans to acquire new clients.
• Keep abreast of trends and developments in the local marketplace, as well as changing rules and regulations across the industry, and expand internal and external networks to better serve clients and industry professionals and represent Citi at industry events as a subject matter expert.

• $50M or 150 units of annual production (not to be published publicly)

Requirements

• 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 in general lending products and the 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.

We Offer

• Competitive salary: $120,000.00 - $120,000.00 per year
• Comprehensive benefits package 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 for discretionary and formulaic incentive and retention awards.

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, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments, and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.

Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high-quality residential real estate loans for clients.

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