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Careers

Mortgage Representative (Sales)

O'Fallon, Missouri

Job ID 19111357
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Overview

Mortgage Representatives serve as a trusted partner to our clients to offer lending solutions that meet their home financing needs, while promoting Citi and its financial services. You'll conduct inbound and outbound mortgage sales calls, counseling your customers on available loan products, promoting Citi's brand and referring customers who seek financial services other than lending solutions to the appropriate Citi professionals. You will submit Purchase and Refinance loan applications, partner with operations teams and communicate with the customer throughout the loan process. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards.

  • Shift: Day
  • Level: Mid
  • Travel: No

Success Profile

>As the world’s most global bank, Citi gives you the tools to be a trailblazer. We’re not just building technology, we’re building the future of banking. With thousands of employees located around the globe, we are an international team encompassing a broad range of teams, roles, and cultures, and we invite you to come and join us!

  • Communicator
  • Multi-Taske
  • Goal-oriented
  • Detail-oriented
  • Problem-Solver
  • Relationship expertise

Glassdoor Reviews

“I enjoy the wide-ranging customer scenarios; each day is different and challenging in its own way. Citi also offers great flexibility and benefits for myself and my family.” Mortgage Representative, St. Louis, MO
“In my role I really enjoy providing complete information about the lending process so that my clients understand it and can take all the necessary steps to reach their goal.” Producing Sales Manager, Dallas, TX
“I enjoy the transaction. I enjoy the friction, the agreement, the confusion, and the resolution.” Mortgage Specialist, St. Louis, MO

Responsibilities

Position Overview:   

We are seeking exceptional individuals for opportunities as a Mortgage Sales Representative in our O'Fallon, MO office. As a Mortgage Sales Representative, you will conduct inbound/outbound mortgage sales calls counseling your customers on available loan products while exercising independent judgment by pre-qualifying financial clients.      

Compensation is comprised of base pay + variable incentive compensation that is paid both monthly and quarterly. Benefits are eligible from day one, and Citi matches up to 6% on your 401(k) after one year of service.    

Responsibilities:          

  • Conduct inbound and outbound mortgage sales calls        
  • Understand and articulate financial calculations and current rate/pricing        
  • Counsel customers on available loan products by pre-qualifying their financial circumstances        
  • Articulate cross-sell/cross referral opportunities        
  • Strict adherence to phone schedules        
  • Understand and manage to underwriting and government guidelines        
  • Utilize systems to maintain product knowledge, register loans effectively & manage pipeline        
  • Excellent follow-up skills to ensure targeted conversion rates are met        
  • Partner with operations teams to ensure seamless transfer of file        
  • Compile appropriate documentation and communicate with customer during the process

Qualifications:  

  • Excellent interpersonal, communication, follow-up & relationship building skills   
  • Must be self- motivated with high energy & a positive attitude  
  • Must have the ability to multi-task, be detail oriented & results driven  
  • Strong written and computer skills  
  • Ability to work flexible shifts Monday - Saturday (5 days a week) Hours: Various shifts  
  • Desired: 1-2 years prior mortgage industry, sales or finance experience  

Will consider recent college graduates with demonstrated high achievements and/or top sales producers outside the mortgage industry 

Professional communication skills, both oral and written are required.  

No Relocation Available.

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.    As part of this registration process, you must be fingerprinted unless you have fingerprints are on file with NMLS Registry that are less than 3 years old.    This position further requires that you maintain and renew that registration on an annual basis, update registration information with the Registry on a timely basis, and provide your unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

**NOTE** The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position.Compensation is comprised of base pay + variable incentive. Variable incentive compensation is based on individual performance and is not guaranteed.    

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, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

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Job Family Group:

Consumer Sales

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Job Family:

Telesales

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Time Type:

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their 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 is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Apply Now
  • Join our team
    of 200,000+
    strong diverse employees

  • Socially minded employees volunteering in communities across 90 countries

  • Meaningful career opportunities thanks to a physical presence in over 98 markets

We foster a culture that embraces all individuals and encourages diverse perspectives, where you can make an impact and grow your career. At Citi, we value colleagues that demonstrate high professional standards, a strong sense of integrity and generosity, intellectual curiosity, and rigor. We recognize the importance of owning your career, with the commitment that if you do, we promise to meet you more than half way.

Success Stories

Get inspired and hear what employees who started their careers in Mortgage Sales have to say about Citi

AJ Johnson

AJ

Mortgage Representative
Length Working at Citi: 5 years

Learn more

What do you do at Citi?

I work with everyday people to remove obstacles, restore hope, build a plan to realize dreams and protect families' most prized assets.

How does your role/department impact the larger organization?

My role drives revenue, secures clients, provides security for the channel and bank partners alike and ensures sustainability for the firm. I fly the jets.

How did you begin a career in your field?

A fellow coach thought I might be a good fit for this sales role.

What does your day-to-day job entail, and what do you like most about it?

Connecting with families, challenging customer objections, problem solving, educating and empowering clients and winning business. I enjoy helping people see things from different perspectives.

What is the best part about your work environment?

The best part about my work environment is the opportunity to completely motivate myself, challenge my limits, control my own workflow, and help new mortgage professionals to be successful.

What do you enjoy most about your role?

I enjoy the transaction, the friction, the agreement, the confusion and the resolution. I have the opportunity to replace one set of perceived problems with an abundance of solutions and overload the customer with attractive options to better their quality of life and increase their financial freedom. I get to leave good residue on people's lives

What skill set does someone working in this kind of area need?

Listening, creativity, communication and a positive outlook are all paramount to this role.

What advice would you give to someone looking to break into a career in your field?

This is the most challenging thing I've ever had the pleasure of being involved with. It will show you who you are and what you're made of. Do it.

Where can a career at Citi take you?

Based on what I've learned and accomplished, I can do and be anything I want to be in this organization.

What makes Citi a good place to work?

The freedom to be anything. I've been fortunate to work for a supportive manager who allows me to be who I am in my dealings with internal and external customers. I've never felt stifled or pressured by anyone here at Citi. I'm proud to be a Citi employee.

Define what success means to you.

Success is knowing that regardless of what happens with the financial markets, home values or governments, I will always have abundance and value to a sea of employers and customers alike.

Jarred Segelle

Jarred

Mortgage Representative
Length Working at Citi: 4 years

Learn more

What do you do at Citi?

I am a Mortgage Representative. My job entails helping clients to navigate the loan process when buying and refinancing homes. We make a difference with our customers by helping them to select products that fit their needs, improving upon their financial picture, and providing a path to homeownership.

How does your role/department impact the larger organization?

Mortgages are often the largest financial decision a client ever makes and, with that, clients often view a mortgage as their most important financial relationship. That often allows us to deepen relationships with the client through cross-sell opportunities and other products.

How did you begin a career in your field?

I came to Citi right after receiving my BA degree. I applied through the Citi Careers website. I’ve always worked in a sales position, so this was a natural fit for me.

What does your day-to-day job entail, and what do you like most about it?

My day-to-day job entails speaking to customers and going over specific scenarios, making recommendations and providing solutions to clients. I am also involved in directing clients through the process of completing the loan.

What is the best part about your work environment?

I enjoy the wide-ranging customer scenarios; each day is different and challenging in its own way. Citi also offers great flexibility and benefits.

What do you enjoy most about your role?

I enjoy helping others to complete home purchases and get into better financial positions.

What skill set does someone working in this kind of area need?

The skills that you will need to be successful in this position are great time management, interpersonal skills, basic financial knowledge and a positive attitude.

What advice would you give to someone looking to break into a career in your field?

The best advice I can give to someone looking to get into a career in the mortgage industry would be to develop their sales skills and build connections. There are huge opportunities to be successful, but you need to have a strong work ethic.

Where can a career at Citi take you?

A career at Citi can take you all over the world and to a place of financial freedom for you and your family.

What makes Citi a good place to work?

I love the flexibility that Citi offers. I also love what the Citi brand is to people outside of the company.

Define what success means to you.

To me, success means finding financial freedom.

Lamont Conway

Lamont

Mortgage Representative
Length Working at Citi: 9 months

Learn more

What do you do at Citi?

As a Mortgage Representative, I speak directly with existing and prospective Citi clients that are interested in buying and refinancing their home to improve upon their financial situation. As a Mortgage Representative, my goal is to place the borrowers at ease in knowing that they are the top priority and that we have the tools to accomplish their goals in owning a home or repositioning their current mortgage loan into a more suitable position. The step I take to ensure a smooth process is to complete their loan application correctly and to understand their goals. Next, I confirm that my clients meet the standards to acquire the loan. I also obtain the documents necessary to move the loan into our processing department. I stay in contact with the borrowers throughout the process and return all calls to inform them of any changes. I pride myself on being relatable and teaching my clients about the unfamiliar process of acquiring a mortgage loan. I believe my passion for sharing information in a way that each of my clients can clearly understand makes all the difference in setting me apart from other mortgage lenders.

How does your role/department impact the larger organization?

Bringing in assets along with holding the mortgage loan strengthens our relationship with the clients and invites other opportunities and services to meet all of their financial needs.

How did you begin a career in your field?

I had applied for a customer service representative position because of my prior call center experience. The recruiter reviewed my resume and because I also had sales experience, I was offered a loan officer position.

What does your day-to-day job entail, and what do you like most about it?

What I really enjoy about my day-to-day activity is when I can provide comfort and understanding about the process and how I will help clients reach their goal of homeownership. I return calls, take calls about mortgage rates and answer questions daily while building relationships with clients and earning their business. I receive sales contracts, explaining points, completing loan applications, assisting the processor to collect documents from my clients, answering emails and reassuring them that we have their interest as our top priority.

What is the best part about your work environment?

The best part is having an outstanding manager, a very supportive team as well as a pleasant environment to work in. Having a supportive manager is important, as the guidelines change often.

What do you enjoy most about your role?

In my role, I really enjoy providing complete information about the lending process so that my clients understand it and are able to take all the necessary steps to reach their goal.

What skill set does someone working in this kind of area need?

The main skills you need to have are a desire to help people, the ability to explain unfamiliar processes and the skill of answering questions by listening very carefully to all clients.

What advice would you give to someone looking to break into a career in your field?

I would advise someone that is looking to get into the industry to obtain sales and customer service experience. These along with the flexibility to accept change and the drive to meet goals, will build a strong foundation for success in this industry.

Where can a career at Citi take you?

Being a loan officer gives you a look into many other opportunities from retail banking positions, to underwriting, processing, management and training positions.

What makes Citi a good place to work?

The relaxing, inviting, motivating environment makes Citi the best place to work.

Define what success means to you.

Success means that I was able to provide excellent customer service to my client, and he or she referred a family member or friend to me for help.

Mariam Sarwari

Mariam

Mortgage Representative
Length Working at Citi: 15 years

Learn more

What do you do at Citi?

I am a Mortgage Representative i.e. loan officer originating first mortgage loans for refinance and purchases.

How does your role/department impact the larger organization?

Being in a revenue-generating role, I help the organization meet loan volume targets.

How did you begin a career in your field?

I came from another department at Citi. I was highly interested in mortgages and reached out to sales management to come over.

What does your day-to-day job entail, and what do you like most about it?

I take calls from clients who would like to purchase or refinance a home. I recommend options based on their needs and follow the loan all the way to closing. I like the challenge of my job.

What is the best part about your work environment?

I love working with people on my team and my manager. I also love the fast-paced environment and the challenge.

What do you enjoy most about your role?

I love helping people and positively affecting their finances and getting them into a new home.

What skill set does someone working in this kind of area need?

Drive, competitive spirit, strong work ethic and detail oriented.

What advice would you give to someone looking to break into a career in your field?

Gaining sales or customer service experience.

Where can a career at Citi take you?

Citi has many different divisions, and doing well in one role can lead to opportunities in other departments.

What makes Citi a good place to work?

Citi has great leadership and always does right for our clients and employees.

Define what success means to you.

Success means helping as many families as possible and helping them get to the right loan.

Benefits

Citi offers a variety of benefits and resources to help you live well. Use them to invest in yourself, including your health, future, and well-being. Living well is about more than good physical health. It's about your financial well-being, too. That's why we offer a variety of resources to help you save and be well in all aspects of your life.

  • Healthcare

    Your Citi health benefits are a valuable part of the rewards of working at Citi. Specific coverage varies by country.

  • Insurance

    Citi provides a basic level of life insurance coverage, as well as the opportunity to enroll in additional coverage.

  • Retirement Savings

    Citi’s retirement programs enable you to make a plan for retirement and support you in achieving your savings goals.

  • Well-being

    Your Citi benefits include programs intended to help you improve your health and reduce healthcare costs.

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