Home Lending Officer- Napa

Citigroup Inc. Napa , CA 94558

Posted 3 months ago

  • Primary Location: United States,California,Napa

  • Education: High School Diploma/GED

  • Job Function: Sales

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: No

  • Job ID: 18014711

Description

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.

Qualifications

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.


icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Bottling Operator II Napa Bottling Center
New!

Constellation Brands

Posted Today

VIEW JOBS 7/20/2019 12:00:00 AM 2019-10-18T00:00 Job Description Position Summary The Bottling Operator II position tends to day to day operation of all bottling equipment. The position follows standard operating procedures and practices safe work habits to ensure production is as efficient and safe as possible. Responsibilities * Under minimal supervision: Attends to the operation of assigned bottling equipment and tasks while applying GMPs * Under minimal supervision: Performs line and equipment sanitation in compliance with CBI Quality requirements * Operate and trouble shoot assigned machine centers, ability to conduct change overs on at least 3 machine centers * Rotate between all machine centers as necessary to cover for breaks and absences * Maintain Lift Truck Certification, (forks and clamp) * Safely and efficiently operate all pieces of equipment on multiple production lines to meet or exceed established production goals in a cost-effective manner * Responsible for routine production quality checks * Must be able to consistently perform all in-process and final production quality control and verification checks * Identifies opportunities to improve processes. Demonstrates the ability to identify key downtime reasons and solutions to improve efficiency * Ability to keep work area clean, organized and Food Safety compliant. Responsible for general housekeeping duties and maintaining a sanitary work area * Train Op I * Responsible for compliance with CBI sustainability policies and practices * Demonstrates situational awareness and a sense of urgency on the production floor * Demonstrate a sense of urgency for Safety, Quality, and Productivity * Communicates effectively with team members, leadership and other departments * Follows all safety procedures and guidelines. Identifies safety hazards and communicates to team members and leadership * Demonstrates a positive attitude, ability to work with team members to achieve production goals and has a desire to continuously learn and improve * Other duties as assigned Minimum Qualifications * Must have a high school diploma or equivalent. * Internal Applicants without diploma or GED: Must have minimum 5 years of high speed bottling line experience * Must read/write English at 8th grade level. Must pass assessment test. * Must have strong mechanical skills. Must pass mechanical assessment test. * Able to perform diverse and complex tasks on highly technical machine centers. * Able to work various shifts and schedules including weekends as needed. * Basic Computer Skills. * Ability to and experience with operating automated equipment via HMI (Human Machine Interface) screens. Physical Requirements/Work Environment * Physical Requirements: The employee is required to stand for long periods of time. The employee is occasionally required to: stoop, kneel, crouch, or crawl. Frequent walking, bending and use of stairs and ladders are required. Must be able to occasionally lift and/or move up to 50 pounds. Movements requiring hands, wrists and fingers are required regularly. * Work Schedule Requirements: Irregular shifts, including graveyard, and long hours may be required, particularly during harvest. The purpose of this description is to describe the essential job functions and the level of work performed by individuals assigned to this position. This description is not an exhaustive list of all job duties performed by this position. Management reserves the right to modify, add or remove duties from particular jobs and assign other duties as necessary. Location Napa, California Additional Locations Job Type Full time Job Area Operations and Production Equal Opportunity Constellation Brands is committed to a continuing program of equal employment opportunity. All persons have equal employment opportunities with Constellation Brands, regardless of their sex, race, color, age, religion, creed, sexual orientation, national origin or citizenship, ancestry, physical or mental disability, medical condition (cancer or genetic characteristics), marital status, gender (including gender identity or gender expression), familial status, military or veteran status, genetic information, pregnancy, childbirth, breastfeeding, or related conditions (or any other group or category within the framework of the applicable discrimination laws and regulations). Constellation Brands Napa CA

Home Lending Officer- Napa

Citigroup Inc.