Mortgage Specialist SAFE Act - B10 - OFALLON

The Hybrid Mortgage Representative is an experienced consumer-facing sales 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 Strategic Markets lending. The role is directly responsible for the sale of mortgage products directly to clients. Responsibilities include serving in a hybrid (in-market/in call center) functionality, engaging in community business development and activities in partnership with Strategic Markets business development officers to drive mortgage opportunity and lending; driving business opportunity by working with community leaders, realtors, developers, employers, builders and other potential lead sources to build book of business; presenting locally on Citi’s mortgage products, including at consumer events such as homeownership seminars to realtors/builders during in-office presentations and lunch-n-learns; participating in diverse realtor organization events, chambers of commerce and other business groups to drive mortgage opportunity and build book of business; partnering with Business Development Officer to build go-to-market strategy and partnership to achieve local market goals; consulting with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals; collecting and analyzing 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; analyzing financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution; making recommendations to customers about which lending solutions would best meet the customer’s financial and personal objectives; advising customers about the consequences, risks, and benefits of alternative lending solutions; promoting Citi's brand, and promoting Citi as the provider for lending and other financial solutions; working as a team with all internal partners to support and grow customers; referring customers who seek financial services other than lending solutions to the appropriate Citi professionals; partnering with Operations teams to ensure the seamless transfer of the loan application; working with Processors/Closers and customers to ensure timely closing of loans; assessing risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients and assets by driving compliance with laws, rules and regulations, adhering to policy, applying sound ethical judgment, and escalating, managing and reporting control issues; keeping abreast of trends and developments in local marketplace and industry regulations; attending a minimum of 2 – 3 Diverse Realtor and/or affordable housing nonprofit events per quarter. Qualifications include experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs, 3rd party assistance programs; 5+ years previous mortgage sales experience; expertise of general lending products and overall mortgage industry including FHA/VA & conventional; demonstrated customer service skills; bilingual in Spanish and English; ability to comprehend and explain financial calculations and pricing alternatives; knowledge of laws and regulations governing consumer lending; self-motivated and able to work independently; strong relationship development and management skills; registration as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) is required. Education: Bachelor's/University degree or equivalent experience. Travel: 25% of the time (1 week/month).