Community Mortgage Lending Officer SAFE Act -Fresno

The Community Mortgage Lending Officer is 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, 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, goals, risk tolerance, future plans, 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 their financial and personal objectives. Advise customers about the consequences, risks, and benefits of alternative lending solutions. Promote Citi’s brand and financial services to real estate agencies, builders, other referral sources, and customers. Visit customers outside of Citi’s offices, with such visits varying 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 so that documents are provided to the Processors and any additional information needed by the Processors and/or Underwriters is acquired. Work with Processors/Closers and customers to ensure the timely closing of the customer’s loan. Go outside to key referral relationships (Realtors, CPAs, 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, 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 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. Attend a minimum of 2–3 diverse realtor and/or affordable housing nonprofit events per month. Qualifications 2–5 years of relevant experience. Residential mortgage experience required. 3+ years of previous mortgage sales experience required. Established relationships with diverse realtor organizations and affordable lending nonprofits in the origination territory. Experience with community loan products inclusive of specialized LMI mortgage solutions, lender‑paid assistance programs and third‑party assistance programs. Established book of business. FHA/VA & conventional loan experience preferred. Ability to comprehend and explain financial calculations and pricing alternatives. 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 a 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. Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr