Home Lending Specialist (Loan Officer) Sales NorthSouth Orange County Job in Laguna Hills, California US

Reference Code: 11033180
Location: Laguna Hills, CA, USA
Education Level: High School Diploma/GED
Description
• Go outside to key referral relationships (Realtors, CPA's, Builders, etc.) to drive mortgage business into the bank.
• 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 from HLS to HLS based on clientele, geography, market conditions, and other factors.
• Work as a team with other Financial Center personnel.
• 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.

Requirements/Skills:
• High School Diploma or GED required
• Two plus years of proven product sales capability is required (success in a commissioned environment preferred)

• Proven ability to source new business from external Centers of Influence, i.e: Realtors, Builders, CPA's, etc.
• FHA/VA conventional loan experience is desired
• Banking experience preferred
• Expert knowledge of Citi's lending products and services and pricing alternatives.
• 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.
• Self-starter who can work independently to work with existing partnerships and branches
• Ability to work as part of a team to grow the assigned branch/branches or community organization
• Strong relationship development and management skills
• Knowledge of the local communities is preferred
• Superior customer service skills