Mortgage Lending Officer -SAFE Act at Citi

West Palm Beach, Florida, United States -

Full Time

Start Date

Immediate

Expiry Date

10 Apr, 26

Salary

0.0

Posted On

10 Jan, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Sales, Customer Service, Financial Analysis, Risk Assessment, Relationship Management, Lending Solutions, Regulatory Knowledge, Communication Skills, Team Collaboration, Market Trends, Loan Processing, FHA Loans, VA Loans, Conventional Loans, Financial Calculations, Networking

Industry

Financial Services

Description

Develops working knowledge of industry practices and standards. 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. Work as a team with all internal partners to support and grow our customers. 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. 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 2-5 years relevant experience 3+ years previous mortgage sales experience required Residential Mortgage experience required Established book of business 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 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, Bachelor's/University degree or equivalent experience

Responsibilities

The Mortgage Lending Officer consults with customers to assess their financial situations and recommends appropriate lending solutions. They work with internal teams to ensure timely loan processing and closing.