דרושים Mortgage Lending Officer Safe Act - Newark Hybrid ב-Citi Group ב-United States, Newark

Responsibilities:

• Exhibits strong sales and service skills, presenting products and services while proactively educating clients on utilizing available access channels (ex: ATM, Online, Mobile, etc.)
• Act as a subject matter expert for the branch and remain flexible in position based on branch coverage needs.
• Continuously learns new and existing products through sales aids (features, benefits, fees, etc.) demonstrating positive, can-do attitude and customer first culture.
• Provide exceptional service delivery to our internal and external customers to resolve account service issues and respond to customer inquiries promptly and effectively.
• Is knowledgeable about the client’s accounts and business with the bank and uses sound judgment with customers and transactions
• Energetically greet and interact with clients on the bank floor to proactively identify and address client sales and service needs; appropriately convert service requests into sales or referrals
• Required to approach and engage clients in the branch lobby to demonstrate expertise in digital capabilities and to identify the financial needs of the clients. May require standing 60-70% of the work day
• Ability to use the various marketing tools and digital technology available in the branch to present product offers and financial solutions to existing and potential clients (e.g. sales wall, tablet, smart phone, workbench, iPads, etc.)
• Connect clients to the appropriate partners as necessary (e.g. leverage video conference for FA, mortgage specialist, etc.)
• Take full ownership of clients’ problems to resolve client complaints/issues promptly and effectively to ensure complete client satisfaction with resolution
• Recognize transaction needs of clients, direct them to the alternative self-service channels and provide assistance with self-service as needed
• Educate clients on self-service capabilities and encourage use of digital service channels (e.g. Online, Mobile, ATM, TCR, Teller Assist Unit, if applicable, etc.)
• Exercises ownership and ensure all follow-up items are complete or handled off to the appropriate individual(s) and work harmoniously with multiple team members
• Engage the Citi client by welcoming them with a warm friendly smile, pleasant demeanor, using the client name, whenever possible, and thanking them for doing business with Citi
• Executes financial transactions in accordance with bank policies and procedures while maintaining an acceptable record in daily drawer balancing
• Listens carefully to the client and willingly assists with any questions or problems the client has
• Makes sure all needs are met before concluding the transaction, making the client feel his/her time is being valued without being rushed
• Shows initiative, empathy and proactively prevents and handles problems with clients while assisting other tellers as well
• Create a warm, welcoming and friendly environment for customers and employees by foster teamwork in the branch to ensure a positive overall customer experience.
• Effectively executes all service transactions (e.g. deposits, payments, address changes, replacement card orders, disputes, etc.) and sales (including opening accounts, credit cards, etc.) referral routines to deepen client relationships
• Adheres to and comply with Citibank policies, standards, operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets

Qualifications:

• 1-3 years relevant experience
• Required Skills:
  • Experience with face-to-face customer service, digital engagement and basic sales/referrals
  • Open, client service orientation and desire to help customers is required
  • Sales experience desired
  • Excellent verbal and written communication skills
  • Analytical and problem solving skills
  • Basic computer and digital tools skills
• Preferred Skills: Retail experience

Education:

• High School diploma or equivalent

The salary range provided in this posting is based on a 40 hour work week.

Time Type:

Salary shown is for full-time positions and will be prorated for part-time hires based on number of hours worked.

Anticipated Posting Close Date:

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.
• 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, CPA's, Builders, etc). to drive mortgage business into the bank.
• Introduce 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 local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 2-5 years relevant experience
• 3+ years previous mortgage sales experience required
• Residential Mortgage experience required
• Established book of business
• Proven product sales capability is required.
• FHA/VA & conventional loan experience is preferred
• 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.
• Demonstrated customer service skills
• Strong relationship development and management skills
• Expertise of general lending products and overall mortgage industry.
• 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,

Education:

• Bachelor’s/University degree or equivalent experience

Anticipated Posting Close Date:

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The CSIS Lead Security Officer is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Excellent communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits. Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.Responsibilities:

• This role will play a pivotal role in the daily operations of Citi by interacting with multiple businesses across the enterprise

• This role will leverage subject matter expertise, whether that is physical security and safety, crisis management, security technology, event security/logistics or vendor management. Some of the responsibilities for this role are as follows:

• Responsible for the direct management of Citi facilities; Citi occupied properties and the security staff at those facilities as delegated by the Regional Director of Security

• Oversee activities of security operations staff in an effort to safeguard premises and employees against risk of; unauthorized entry, fire, theft, vandalism, and opportunities for criminal activities

• Enforce security rules and safety standards

• Review security or safety related incidents and ensure that appropriate measures to correct any deficiencies or errors are taken in an effort to reduce risk or exposure to risk

• Ensure that security procedures are enforced and that all security personnel are trained to respond to emergency situations

• Interact with other departments on issues involving security and safety functions

• Conduct training, Operational readiness exercises and ensure that security staff is well practiced and rehearsed in the execution of security operations, drills, assignments and the day- to-day functioning of security systems

• Acquire, manage and maintain relationships with local law enforcement authorities, first responder agencies and key business support entities as it supports assigned facilities

• Maintain CSIS systems, staff and equipment in a state of perpetual readiness enough to meet or surpass requirements of both internal and/or external audits.

• Demonstrate basic knowledge of vendor and invoice management

• Has the ability to operate with a limited level of direct supervision.

• Can exercise independence of judgement and autonomy.

• Acts as SME to senior stakeholders and /or other team members.

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 5-8 years of experience

• Bachelor's degree/Associate's degree plus equivalent work experience/High School diploma plus equivalent work experience

• Experience in adhering current security protocols, operations manuals and guides

• Proven ability to foster relationships and interface with external agencies to promote functional excellence

• Demonstrated experience in making sound judgements at a moment’s notice

• Has maintained corporate assets, to include lease vehicles and equipment in a state of perpetual readiness enough to meet or surpass requirements

• Can articulates basic understanding of security vulnerabilities and suggests preventative measures to assist in the mitigation of these potential risks

• Experience in working with security & safety technology

• Demonstrated ability to follow security and safety instructions and procedures; reporting anything out of the ordinary to management and obey rules and regulations set out in delegations of duty, verbal instructions and company policies

• Relevant experience in a private/public sector security environment

• Professional Security certifications

• Experience working in a corporate or financial services security team

• Flexibility to work on call off hours/weekends

Education:

• Bachelors/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Anticipated Posting Close Date:

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The CSIS Security Manager accomplishes results through integrating subject matter and industry expertise within a defined area. Contributes to standards around which others will operate. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the entire function. Requires basic commercial awareness. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Has responsibility for volume, quality, timeliness and delivery of end results of an area. May have responsibility for planning, budgeting and policy formulation within area of expertise. Involved in short-term planning resource planning.

Responsibilities:

• This role will play a pivotal role in the daily operations of Citi by interacting with multiple businesses across the enterprise
• This role will leverage subject matter expertise, whether that is physical security and safety, crisis management, security technology, event security/logistics or vendor management
• Manage day-to-day operational activities in area of responsibility as well as emergency response, crisis response and recovery functions, across multiple locations and jurisdictions in which Citi has a business presence/operation in full compliance with Citi Security and Fire Safety standards
• Maintain, and find ways to improve, current security policies and procedures
• Manage multiple vender relationships
• Collaborate with peers, leadership team and Industry contact to understand risk profile of properties within span of control
• Keep abreast of security industry standards, technologies and systems
• Execute efficiently under tight time constraints.
• Establish relationships with senior business leaders and interface with internal Citi functions and external agencies to promote functional excellence
• Represent CSIS on facility, Crisis Management Teams, and during Continuity of Business exercises
• Be knowledgeable of global, regional and local security protocols, operations or guidelines and apply them at each facility
• Integrate concept of “Continuous Improvement” into management activities and communicate same to direct reports
• Manage contingent and contract staff at various Citi facilities, sites and branches
• Clearly and concisely brief management on ongoing major security matters and does so in a professional manner
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

• 6-10 years of experience
• Managed team of security professionals and contingent staff
• Performed critical evaluations of staff to raise operational effectiveness and efficiency
• Executed efficiently under tight time constraints
• Established effective relationships with senior business leaders and internal partners
• Collaborated with peers, leadership teams and industry contacts to understand risk profiles of properties within span of control
• Managed complex security projects that have regional consequences as well as criminal or regulatory implications
• Has demonstrated in-depth understanding of the elements of a security & safety risk and control environment. Identifies and remediates weaknesses in security activities
• Has demonstrated a broad understanding of security vulnerabilities
• Experience with understanding potential security or safety threats (e.g., fire, executive protection), local threats based on geographic location and their impact
• Demonstrated understanding of risk management and innovatively develops solutions and makes suggestions to senior management to mitigate risks
• Participated in critical resource evaluations of staff to raise operational effectiveness and efficiency
• Relevant experience in a private/public sector security environment
• Experience working in a corporate or financial services security team
• Domestic and International Travel
• Flexibility to work on call off hours/weekends

Education:

• Bachelor's/University degree, Master's degree preferred

PSLB a plus.

Anticipated Posting Close Date:

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