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Home Lending Officer - LA Southeast

Whittier, California

Overview

Home Lending Officers 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 speak with Purchase and Refinance customers inside and outside of Citi's offices and will work as a team with Retail Branch personnel, promoting Citi's brand and referring customers who seek financial services other than lending solutions to the appropriate Citi professionals. Collaborating with your Citi branch partners ensures we meet all of our clients’ financial needs, developing and maintaining long term banking relationships.  As a Home Lending Officer at Citi, you’ll also partner with real estate agents and new construction builder contacts to foster relationships and provide solutions to meet their buyer’s needs. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve.

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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 10
  • Relationship expertise 10
  • Responsible 10
  • Collaborative 9
  • Detail-oriented 9
  • Problem Solver 8

Additional Traits

  • Adaptable
  • Curious
  • Goal-oriented
  • Good listener
  • Multi-tasker
  • Personable
  • Persuasive
  • Proactive

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Success Stories

Get inspired and hear what employees who started their careers as Home Lending Officers have to say about Citi.

Chris Velasquez

Chris

Home Lending Officer

Length Working at Citi: 4 years, 9 months

Can you tell us a little about yourself and your background?

I have worked in the mortgage industry for about 12 years now.

What do you do at Citi?

My role at Citi is to assist clients with their home lending needs and collaborate with my retail bank partners to deepen our clients’ banking relationships by growing deposits.

How does your role/department impact the larger organization?

My role allows me to enhance the client experience by leveraging the global Citi brand to offer mortgage products that cater to our clients’ specific financial needs, thus allowing us the opportunity to earn their complete banking relationship and be their primary banking institution.

How did you begin a career in your field?

Prior to mortgage, I worked in the insurance industry. After working in that field for nearly six years, I crossed paths with previous coworkers that made the change to the mortgage industry. After research, I knew insurance was not my long term career path and decided to pursue mortgage. I have been very satisfied with my decision, as I feel I have made greater impacts on my clients’ financial lives, which is very rewarding for me.

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

What I like most about my day to day is that no day is exactly the same as the day before. Each day is met with either new experiences or new challenges that allow me to grow personally and professionally. Typically, my day involves outreach efforts and conversations with new prospects to grow business opportunities. With that comes periodic follow-ups with those contacts in order to begin or continue developing relationships.

What is the best part about your work environment?

The best part of my work environment is my team. Having a good support system is extremely important in the mortgage industry. So much of my personal success can be attributed to their behind-the-scenes support. Having a strong team in place allows me to work as efficiently as possible and to stay focused.

What do you enjoy most about your role?

What I enjoy most about my role is how no two days are alike. I love working with my clients and knowing that I can help them achieve their homeownership dream or consolidate their current liabilities into something more manageable. To some, buying a home is the largest financial purchase they may make in their lives. Being a part of their journey is very rewarding. I am also grateful to assist clients with a refinance and give them an opportunity to take better care of their families. This provides me with great satisfaction and readiness to approach the next day!

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

The greatest skill sets one must have, in my opinion, are excellent communication and patience. Like in most aspects of life, communication is a valuable asset to have. In the mortgage industry, it’s imperative that one communicate efficiently and effectively. Having patience is also important, as people respond differently depending upon the method and style of communication. No two clients are ever the same. Understanding that the mortgage process is quite complex and has many different variables that call on that patience from both the client and loan officer.

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

My advice to someone considering a Home Lending Officer role would be to make sure they always actively listen to their clients. Clients are not always aware of the options and best solution to meet their financial goals. However, during conversations with those clients, we can uncover what those clients need. Also, always improve on your communications skills.

Where can a career at Citi take you?

Having a career at Citi provides you with endless opportunities throughout the bank and world, for that matter. You’ll have the opportunity to continue to develop yourself professionally should you consider pursuing a new venture. All without ever having to consider leaving the firm.

What makes Citi a good place to work?

Citi’s culture is what makes Citi a great place to work. The teams, endless opportunities and the variety of products and tools will position anyone to be successful in their role. As a salesperson, I have always felt that representing a brand such as Citi is half the battle. The other part of the equation is building a rapport with clients so that they want to do business with me. I am proud to be a representative of the Citi brand.

Define what success means to you.

Success to me, generally, is achieving my personal and professional goals. Knowing that I have met the needs of my clients while earning positive feedback from them, confirms my success in delivering excellent client experiences.

Faheem Hossain

Faheem

Home Lending Officer

Length Working at Citi: 7 months

Can you tell us a little about yourself and your background?

I am a twin and my family is from Bangladesh. I love to travel and have been married for two years.

What do you do at Citi?

I help people with their mortgage needs by reviewing their paperwork and determining what they qualify for. I coordinate with my operations partners to clear loans for closing.

How does your role/department impact the larger organization?

By helping people obtain the American dream of homeownership we also help support the organization by generating revenue.

How did you begin a career in your field?

I started my career right out of college with a finance degree. I asked myself, how could I make an impact on people’s lives? That is when I first considered the mortgage field.

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

I review my current pipeline to ensure loans move toward closing. I follow up with my clients to get them their preapprovals so they can submit offers. I make calls to third parties to explain some of the special programs we offer so they can refer their clients to us.

What is the best part about your work environment?

I am able to work in peace and quiet in my office. I can focus on my work and have meaningful conversations with my clients.

What do you enjoy most about your role?

I am helping people through their biggest transition of their life, which can be stressful without professional support.

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

Communication is the key. You need to have patience with clients because they do not know everything about their options. You need follow-up skills in order to solidify new relationships.

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

You have to be motivated to help people, and then everything else will follow.

Where can a career at Citi take you?

I want to help as many people as possible to obtain a mortgage and make a difference in people’s lives. That is the most rewarding experience.

What makes Citi a good place to work?

Citi has a great brand recognition. Citi also has the products that attract homebuyers to choose us as their lender.

Define what success means to you.

Success to me is being able to come to the office every day happy and leave happy making sure I am providing value in someone’s life and to my community every day.

Fritz Julien

Fritz

Producing Lending Manager

Length Working at Citi: 9 months

Can you tell us a little about yourself and your background?

I have been fortunate enough to live in three different parts of the world (Haiti, Belgium and the United States) which allows me to have a different perspective and outlook due to my experiences. I am married, father of three beautiful children and have been in the mortgage industry for 15 years and in banking for a total of 23 years.

What do you do at Citi?

I am a Producing Lending Manager for the Mortgage division.

How does your role/department impact the larger organization?

My department assists the organization in growing balances via new mortgage originations and building multiple relationships with clients. We work with our internal and external referral partners to uncover opportunities for deposit/relationship growth.

How did you begin a career in your field?

By accident! It was my first full-time job out of college, which was something I needed as a prerequisite for my aspirations to join the Secret Service. However, I immediately found success and changed career paths.

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

I make it a priority to have communication with each of my direct reports multiple times a day. As a producing manager, my goal is to ensure that they are engaged in the right activities to drive results. This also gives me a chance to assist in any of their pressing matters as well as give positive enforcement or direction. The other half of my day is spent on my own production and assisting with any escalations that may arise.

What is the best part about your work environment?

The best part of my work environment is the collaboration with my bank/branch staff. Since my first day, they have always welcomed me and I have grown to be very appreciative of their inclusion.

What do you enjoy most about your role?

I enjoy coming up with solutions for customers. Whether it’s purchasing their first home, consolidating debt to save money, or assisting in lowering their payments, mortgages play a big role in customers’ lives. And, I am lucky enough to do this multiple times a week!

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

Multi-tasking skills are needed, as there are many moving parts in the mortgage process.

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

As with anything, be patient and persistent, as good things come to those who wait. A successful loan officer plants the seeds when they first start and will be able to harvest their crop in time. So, keep at it, never give up and have patience.

Where can a career at Citi take you?

I believe that the possibilities are endless! I am fortunate to have a manager that values my insight and has shown a great interest in my development.

What makes Citi a good place to work?

In my short time being here, I have been able to speak directly with senior management on a few occasions. They truly care about the front line of defense and are always looking for ways to improve the process.

Define what success means to you.

Success is helping families, colleagues, referral partners and team members every day. Rinse and repeat.

Hamlet Keshishyan

Hamlet

Home Lending Officer

Length Working at Citi: 5 years

Can you tell us a little about yourself and your background?

I am married with two kids. I’ve been in sales for the past 21 years, the last 17 years in the mortgage industry, with the most recent five years being at Citi.

What do you do at Citi?

I am a residential mortgage lending officer.

How does your role/department impact the larger organization?

Being a highly effective and productive lending officer, I am able to help grow the business by consistently driving deposits to the bank.

How did you begin a career in your field?

With four years of sales background, I received the recommendation/referral from a customer who turned into a friend and I transitioned into the mortgage industry.

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

I like helping clients through the mortgage process by acting in their best interest at all times so that they are able to make well-informed decisions. It’s gratifying to have satisfied clients who are willing to refer their friends and family.

What is the best part about your work environment?

The best part is the people I work with. The leadership management team, banking partners and colleagues.

What do you enjoy most about your role?

I enjoy the challenge and competitiveness. Every single day, week, month and year, I am challenged to sell in one of the most competitive industries.

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

Sales skills, confidence, focus, strong work ethic, effective communication and being a good listener are imperative.

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

Be ready to be challenged, work hard every day, communicate effectively and be focused.

Where can a career at Citi take you?

The next step in my area is sales management.

What makes Citi a good place to work?

The highly engaged and talented professional people along with great benefits make Citi an excellent place of employment.

Define what success means to you.

Success requires the discipline to consistently work hard at being the best for my clients, my family and myself.

John B. Gnisci

John

Home Lending Offer

Tenure at Citi: 9 years

Can you tell us a little about yourself and your background?

I have been in the mortgage industry for the past 20 years, in which I have held positions in both sales and executive management. I’ve been working at Citi for the past nine years as a Home Lending Officer. During that time, I have received several performance awards in recognition of my achievements. My career in the mortgage business began with a competitor in New York followed by promotions and employer changes which eventually lead me to Citi. Thanks to my customers and referral sources, I have never lost my passion. I have a versatile skill set, a lot of integrity, and a willingness to go the extra mile to satisfy a customer.

What do you do at Citi?

There are many components to what I do at Citi. As a Home Lending Officer, I am responsible for providing financing options to people who are purchasing or refinancing. I provide new business development opportunities to Citi through the origination of mortgages. I maintain business relationships with real estate brokers, attorneys, financial advisors, CPAs, developers, not-for-profit organizations and, most importantly, internal partners of the bank, for the sole purpose of promoting mortgage referrals. Outside referral sources give me the opportunity to refer potential clients to my internal partners, whether it is the need for insurance, banking or wealth management. Working at Citi allows me to be much more than a loan originator. I have the ability to counsel customers in order to uncover individual needs and direct them to internal partners when there is an opportunity to refer.

How does your role/department impact the larger organization?

My position allows me to facilitate financing options for customers with home buying and refinancing needs, but also allows me to retain and acquire assets for the organization that I can refer to my bank partners.

How did you begin a career in your field?

My career as a home lending officer began unexpectedly. I studied engineering in college and graduated with a BS in Business. After college, I worked in the advertising industry which helped to greatly develop my professional skills in sales, although advertising sales was never a career in which I saw myself long term. A friend in the industry suggested mortgage banking to me because he thought it would be a good fit. I soon began my first job as a mortgage banker. It has been 20 years since I made the decision to leave advertising to pursue a job in banking, and it is one of the best career decisions I have ever made.

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

I never know what I am walking into each day. There are many moving parts in the mortgage process, which require my direction. I am constantly juggling several balls, with five more being thrown in during the course of the day, and I cannot allow any one of them to drop. This makes my job intense but also exciting. I thrive in a fast-paced environment.

What is the best part about your work environment?

Many aspects of my work environment allow me to be effective in my role. First and foremost, the level of professionalism that I have seen from upper management is what sets Citi apart. They are always active in supporting my views and ideas, and ensuring the satisfaction of the customer. They have given me the opportunity to be autonomous in my decision-making, and this has been key to my success. I work with a team of people who are as passionate about their jobs as I am. I work in a very positive environment, with great people that I consider family. I have developed work relationships that foster teamwork and collaboration, which has allowed us to create great results. Lastly, I am a very social person, and enjoy talking and getting to know people. My role as a Home Lending Officer provides me the opportunity to get to know my clients on a very personal level. When working in a busy and fast-paced environment, it can at times be stressful, but it is the relationships with my clients that make it all worthwhile.

What do you enjoy most about your role?

What I enjoy most about my role is the difference that I make in the lives of my clients and their families. The home buying experience is an overwhelming process, whether someone is buying their first home or fifth home. I take pride in having the opportunity to educate and lead my clients through the mortgage process. The expression of gratitude that I receive from them, thanking me for making their dream come true, is what truly motivates me to perform in my role.

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

A successful Home Lending Officer will need to be determined and possess a certain degree of tenacity that will lead them to success. They will also require leadership skills, which will allow them to successfully work with internal partners in executing a loan from start to finish. Someone working in this environment will need to be extremely organized and detail oriented, and master their skills in time management. Dealing with clients either in person or over the phone will require strong communication skills. All of these skills are equally important because they will be used daily in this role.

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

If someone were looking to break into a career in this field, I would tell them to be prepared to work very hard, to be persistent and to never give up. They will need to follow their mentors and never veer off track. This is a demanding profession, but when you perfect your trade, it is rewarding on multiple levels.

Where can a career at Citi take you?

Citi is a global organization. You are not limited to a specific department – you may have the flexibility to be mobile and change locations, cities or even transfer to another country. The organization offers many opportunities, which means that a career at Citi can take you anywhere you would like to go. Employees can take comfort in knowing there is always an opportunity for future development.

What makes Citi a good place to work?

Citi is a great place to work because the organization cares about its employees. Management is concerned with career development and advancing their employees through continuing education. Employees are provided with various tools and resources to promote professional success. This is demonstrated through our annual goals, the annual employee survey as well as an open-door policy with management.

Define what success means to you.

Success is knowing that your life is filled with abundance on both a personal and professional level. I firmly believe in having a healthy work/life balance, which a career at Citi has allowed. If I can be a positive influence in someone’s life, both personally and professionally, then I know I have been successful.

Lorianne Daluz

Lorianne

Home Lending Officer

Length Working at Citi: less than 2 years

Can you tell us a little about yourself and your background?

I’m originally from San Diego. My parents emigrated from a small island and purchased real estate to create income and wealth. At a young age, I understood the importance of family, home and homeownership in a person’s life. I started a career in banking in my early 20’s. At 27, I moved to the Bay Area, fell in love with San Francisco and stayed. I left banking to complete a lifelong dream of becoming a teacher. I attended San Francisco State University, completed my MCLAD teaching credential and taught first grade for several years before coming back to banking again. I’ve been a loan officer for a total of 30 years now.

What do you do at Citi?

I’m a Home Lending officer.

How does your role/department impact the larger organization?

My role as a loan officer is critical to the organization. Buying a home is the biggest purchase or investment someone can make in their lifetime. At Citi, we get to be a part of that and provide other bundled services across the organization that benefit our clients. We educate our clients and create overall financial health and opportunity for every client at Citi.

How did you begin a career in your field?

I started as a loan processor for a builder group in my early 20’s. The homebuilder was impressed with my skills and ability to communicate with their clients. They insisted that I become a loan officer. It was a leap at the time, but one I am forever grateful for. My local and senior managers were incredible mentors. They required a lot of offsite sales training and mortgage banking certification courses. I invested a lot of time in my career to make sure I became an expert in my field. I’m always learning and listening.

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

I always say I’m busy getting busy so I’m busy. What I love most about my job is working with our clients and my business partners both internally and externally. I love meeting new people and building life-long relationships. There’s nothing better than helping a client buy a new home – a home where they will make memories and grow for years to come.

What is the best part about your work environment?

Our San Francisco office is a family. All my managers and colleagues are incredible professionals. I’m proud to be a part of this office.

What do you enjoy most about your role?

I love working with my clients to help them achieve their goals.

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

You must have great skills in relationship-building, listening, communication, writing and follow-up, as well as strong math skills. You need to build internal relationships to work with our operations teams and manage deadlines. You need to clearly manage a client’s expectations. Buying a home can be an emotional experience for a client. You need the ability to understand the needs of your client with a listening ear and a caring attitude with a complete focus on the client experience.

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

Work for a great company like Citi that hires experts in their fields who can mentor you – a firm that you know is providing programs and options you’re proud to provide to your clients and business partners.

Where can a career at Citi take you?

We are a global bank with a broad range of opportunities. Anything is possible – it’s up to you!

What makes Citi a good place to work?

Citi empowers their employees. It’s incredible to work at a large organization with the unwavering belief in ONE team. We are one team at Citi. Our focus first and foremost is the client. We are obsessed with delighting our clients.

Define what success means to you.

Success is when a client remembers me a decade later because I helped them with their home purchase and they reach out for my help again. It’s a huge compliment. Trust, great service, great expertise, personal connection and education are the foundation on which I’ve built my business over the last few decades.

Robert Luna

Robert

Producing Lending Manager

Length Working at Citi: less than 2 years

Can you tell us a little about yourself and your background?

I have been in mortgage lending for 15 years. I have always had a passion for real estate; my mom’s family were real estate developers, and I have always enjoyed the ins and outs of financial markets.

What do you do at Citi?

I am a producing lending manger that oversees a team of mortgage originators, and I originate loans myself.

How does your role/department impact the larger organization?

I am frequently out in the field , sometimes presenting in front of groups, representing Citi at events for various organizations.

How did you begin a career in your field?

I worked at a mortgage company while still in college and transitioned straight into the role of originating loans right after graduating. I have always loved real estate and finance. What better way is there to do the two things that I love than to be in mortgage lending?

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

I really enjoy helping people understand the mortgage process and strive to keep people calm during such a stressful time in their life since in most cases it is the biggest financial commitment of their life.

What is the best part about your work environment?

I love the people I work with and the culture we have here at Citi.

What do you enjoy most about your role?

It makes me happy to go to work every day knowing that I am helping people achieve their dreams of home ownership.

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

Social skills, experience within the field and a strong work ethic are very important for building rapport.

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

Getting into this business is difficult at first without having many connections in the real estate world. As time goes on and you gain experience and meet the right people, your business should naturally flourish with time.

Where can a career at Citi take you?

The sky is the limit. Citi is such a major international organization that it offers many more fields than just banking. It can be a stepping-stone to open your mind and realize what possibilities are out there.

What makes Citi a good place to work?

The culture here is very strong and close knit. Everyone seems to be looking out for each other and not just his or her own personal interests and goals. I never felt it was this way at other banks. While working at other banks, it seemed like it was every man and woman for themselves.

Define what success means to you.

Success is not judged by the amount of money you make or have. It’s about how happy you are in life overall and the experiences you have along the way.

Sari Rosenberg

Sari

Home Lending Officer

Length Working at Citi: 6 years

Can you tell us a little about yourself and your background?

I am married and have two sons. I have three older sisters, all of whom are real estate brokers, including my mother who has been a real estate broker for over 50 years. Directly from college with a BBA in Finance, I managed apartment buildings for about seven years and from there went on to become a mortgage broker.

What do you do at Citi?

As a Home Lending Officer, I originate mortgages at Citi. My business is generated by referrals, from former clients and real estate agents. I network consistently within the real estate industry and I am a member of BNI, a networking group. I am also certified to originate mortgages for Citi employees, which deepens my relationships within Citi.

How does your role/department impact the larger organization?

The Home Lending Officer plays a vital role within the organization. We are helping customers achieve the dream of home ownership and/or improve their current financial situation with refinancing their existing mortgage for a lower payment, debt consolidation, term reduction, etc. We are also attracting, deepening and retaining assets along the way.

How did you begin a career in your field?

After I managed property for my family for seven years in various neighborhoods throughout Brooklyn and Manhattan, my father, asked me to join his business, a mortgage brokerage company, as his partner. Three months later, after my father passed suddenly, I started my own mortgage brokerage company.

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

As soon as I wake up, around 6:30 a.m., I check my business emails and reply to clients who have emailed me that morning. I get my act together and then I am out the door and walk to work, almost two miles. While walking, I make phone calls booking myself at a real estate agent’s office for something, be it an office meeting or a Lunch and Learn. I check in with my assistant and talk about the top deals of the day to work on. I will touch base with underwriters, if needed, before they get busy. I call clients and email a lot. I like to be on top of every deal that is in my pipeline. I try to attend all my closings, either purchase or refi. . Most importantly, I like to have a productive day.

What is the best part about your work environment?

My friends in the office who are my fellow originators and their assistants are the best part of my work environment. We spend a significant amount of time with each other and go to each other for assistance and support.

What do you enjoy most about your role?

I love being an originator. During the loan process when I call my client, they always pick up. From movie stars to music producers to NFL team owners, I am the most important person to them at the time of the mortgage. But, what I truly love to do is make their dream a reality. Working on a deal for a couple that has saved every penny to create their American dream makes me feel lucky that I am able to assist them with attaining that dream.

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

An originator should be organized. Knowing how to work with so many personalities is another truly valuable asset. Ego has to remain in check as the client is king!

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

It’s the sort of business that if you choose to work hard, you will see the rewards.

Where can a career at Citi take you?

Citi, being a huge global organization, can offer an employee multiple options if one chooses to pivot their career. The opportunities are endless.

What makes Citi a good place to work?

Citi’s reputation and recognition are enormous factors in making Citi a good company to work for. Although I work and live in Manhattan, I have clients from all over the country and most of them know of Cit. It makes working at Citi easier, as a level of trust is already established.

Define what success means to you.

Success to me is to achieve my goals that I have laid out for myself. Be it in business, financial or personal, my success is measured by my expectations for myself.

Meixu “Sunny” Duan

Meixu “Sunny”

Home Lending Officer

Length Working at Citi: 4 years

Can you tell us a little about yourself and your background?

My name is Meixu, but everyone calls me Sunny. I have worked at Citi for four years – time flies so fast! I graduated from business school up in the Cambridge, Massachusetts area. I speak both Chinese and English fluently. I am very happy helping our Citi customers. In my spare time, I enjoy snowboarding, eating with friends, and spending time with my family and puppies.

What do you do at Citi?

I am a loan officer. My job is to help our clients find the best mortgage for their needs and make the process as smooth as possible.

How does your role/department impact the larger organization?

Anything involving a home purchase or refinance directly impacts one of the biggest financial assets in our customers’ lives. If I can make the mortgage experience an enjoyable one, our customers will be confident in using other services from Citi. And who knows, maybe some of the mortgage customers I have helped today will one day open a company and become a large corporate account for Citi.

How did you begin a career in your field?

I started as a loan officer five years ago at a small bank after graduate school. I had no idea where I was going to work after graduating. Some offers I received were interesting but too far away from where we lived, other job offers were not appealing to me. I have so much empathy for any young person trying to find their first job, it’s tough! Fortunately, a friend of one of my husband’s colleagues saw some potential in me and hired me as a loan officer. He trained me and I stayed with his bank for one year before accepting this opportunity with Citi.

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

Around 9 a.m., the emails and calls start coming in. Typically, in the morning the real estate agents and other professionals ask for updates or clarifications on their loans. My job is to keep all parties informed of the loan process so that they can feel confident in Citi. I also reach out to agents and customers who have asked about loans but have not yet started the process with us. The next set of calls come in around 6 p.m. when my customers get off work and have time to call about a mortgage. It’s okay, though; I am usually home by then and can talk from my comfortable chair while drinking a tea. The best part about my job is that I get to help people buy their dream home. It is a great feeling when, after a smooth deal, I hear how our lending team made our clients happy and satisfied.

What is the best part about your work environment?

My terrific coworkers. I love knowing that all the people who I work with are working toward the same goal of providing excellent customer service. There is a great culture at Citi and sometimes it doesn’t feel like I am at work.

What do you enjoy most about your role?

All the people I get to meet and talk to. We have wonderful clients at Citi, and being able to help them makes me appreciate my role as a mortgage professional.

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

They would need to have a warm personality, be good at mathematics and be willing to study the lending guidelines for our various loan products. But most importantly, they would need to work hard.

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

I recommend having a strong financial background, be comfortable with mathematics, have a positive attitude, and give 110% every day.

Where can a career at Citi take you?

A career at Citi can provide you the opportunity to work with some very talented people and to expand with an organization that has a stellar reputation in the industry. Everyone you meet will know your company, and you get an instant degree of respect when you work for the best.

What makes Citi a good place to work?

The culture at Citi would be hard to replicate elsewhere. Everyone from the highest-level managers to those who are just starting seem to reflect a positive customer-oriented attitude. You never feel like you are by yourself at Citi; your team always has your back.

Define what success means to you.

Success to me is setting goals and accomplishing them. Our loan origination team continually sets ambitious goals for customer satisfaction and, working together, we make it happen. We also try to improve ourselves and find ways to be better every single year.

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I love working with my clients to help them achieve their goals.

Home Lending Officer, San Francisco, CA

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It makes me happy to go to work every day knowing that I am helping people achieve their dreams of home ownership.

Producing Lending Manager, Los Angeles, CA

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I take pride in having the opportunity to educate and lead my clients through the mortgage process.

Home Lending Officer, New York, NY

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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Responsibilities

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HOME LENDING OFFICER

The Home Lending Officer consults with customers to offer lending solutions that meet their home financing needs and promotes Citi and its financial services. 

Position Responsibilities:
Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals. This includes collecting and analyzing information about the customer's financial situation, financial and personal objectives, 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 from HLO to HLO 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. Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank. 


**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. 

Requirements/Skills:
• High School Diploma or GED required. 
• Two plus years of proven product sales capability is required (success in a commissioned environment preferred) 
• 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. Proven ability to source new business from external Centers of Influence, eg: Realtors, Builders, CPAs, etc. 

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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Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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