Community Lending Officer San Francisco California - ...

OverviewThe Community Mortgage Lending Officer is an entry level 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 the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients.ResponsibilitiesConsult 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.Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers.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, CPAs, Builders, etc.) to drive mortgage business into the bank.Avoid undue risk by complying with applicable laws, rules and regulations, adhering to Policy, applying ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with troduce 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.Collaborate with partners to support customer growth and experience.Qualifications2–5 years relevant experienceResidential Mortgage experience required3+ years previous mortgage sales experience requiredEstablished relationships with diverse realtor organizations and affordable lending nonprofits in origination territoryExperience with community loan products including specialized LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programsEstablished book of businessFHA/VA & conventional loan experience is preferredAbility to comprehend and explain financial calculations and pricing alternativesAbility to communicate with customers about the proper documents and information needed to obtain a particular loanKnowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPADemonstrated customer service skillsSelf-motivated and able to work independentlyStrong relationship development and management skillsExpertise in general lending products and the Mortgage industryMust register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier before engaging in mortgage loan originator activitiesOriginate minimum of 3 loans per month with a minimum mix of 50% being CRA eligible or within minority tractsEducationBachelor's/University degree or equivalent experienceLocation: San Francisco, California, United StatesPrimary Salary: $90,000.00 per year------------------------------------------------------Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Citigroup Inc. and its subsidiaries ("Citi") invite all qualified interested applicants to apply for career opportunities. 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 the EEO poster, EEO Supplement, Pay Transparency Posting, and EEO Policy Statement for more information. #J-18808-Ljbffr

Created: 2025-10-04