דרושים Mortgage Representative Loan Advisor - Safe Act ב-Citi Group ב-United States, O’fallon

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Responsibilities:

• Serve in a hybrid (in-market/in call center) functionality, engaging in community business development and activities in partnership with Strategic Markets business development officers to drive mortgage opportunity and lending.
• Drive business opportunity by working with community leaders, realtors, developers, employers, builders and other potential lead sources to build book of business.
• Present locally on Citi’s mortgage products, including at consumer events such as homeownership seminars to realtors / builders during in-office presentations and lunch-n-learns, by example.
• Participate in diverse realtor organization events, chambers of commerce and other business groups to drive mortgage opportunity and build book of business.
• Partner with Business Development Officer to build go-to-market strategy and partnership to achieve local market goals.
• 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 customer’s 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.
• 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.
• 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.
• 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
• Attend a minimum of 2 – 3 Diverse Realtor and/or affordable housing nonprofit events per quarter.

Qualifications:

• Experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs, 3rd party assistance programs, required.
• 5+ years previous mortgage sales experience required
• Expertise of general lending products and overall mortgage industry, including FHA/VA & conventional.
• Demonstrated customer service skills
• Ability to speak, read, write and present in both Spanish and English, required
• 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
• Self-motivated and able to work independently to build business opportunities with local community leaders, realtors, builders and other potential sources.
• Strong relationship development, management skills and emotional intelligence.
• 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.

• Bachelor's/Universitydegree or equivalent experience

Travel

• 25% of the time (1 week/month)

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.

Anticipated Posting Close Date:

Responsibilities:

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• 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:

• 6-10 years of experience in mortgage servicing risk management or equivalent training and experience preferably in the financial services industry
• Proven ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize and prioritize
• Proven ability to remain organized in a fast-paced environment
• Demonstrated interpersonal, organizational and analytic skills

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

Anticipated Posting Close Date:

Responsibilities:

• Assisting in the design, development, delivery and maintenance of best-in-class Compliance, programs, policies and practices for ICRM.
• Providing guidance on rules and regulations relating to function/business/product operational issues, as well as, provide transactional approvals and interpretation of internal compliance policies.
• Assisting with regulatory inquiries and/or examinations. This may include coordination with regulators and other parties.
• Collaborating with other internal areas including: Legal, Business Management, Operations, Technology, Finance, other Control Functions, and In-Business Risk to address compliance issues which may impact the supported function/business/product.
• Supporting the function/business/product in performing timely compliance reviews of new products.
• Assisting in the development and administration of Compliance training for the supported function/business/product.
• Researching any new reform rules and rule changes and implementing policies, procedures or other controls necessary to comply with the rules.
• Additional duties as assigned
• 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:

• Knowledge of Compliance laws, rules, regulations, risks and typologies related to the mortgage industry preferred
• Must be a self-starter, flexible, innovative and adaptive
• Strong interpersonal skills with the ability to work collaboratively and with people at all levels of the organization
• Strong written and verbal communication and interpersonal skills
• Ability to both work collaboratively and independently; ability to navigate a complex organization
• Advanced analytical skills
• Ability to both work independently and collaborate with team members
• Excellent project management and organizational skills and capability to handle multiple projects at one time
• Proficient in MS Office applications (Excel, Word, PowerPoint)
• Demonstrated knowledge in area of focus
• Relevant certifications desirable

Education:

• Bachelor’s degree; experience in compliance, legal or other control-related function in the financial services firm, regulatory organization, or legal/consulting firm, or a combination thereof; strong working knowledge of function/business/product supported and the related operations and financial requirements; Advanced degree preferred

Anticipated Posting Close Date:

Responsibilities:

• Conducts inbound/outbound sales calls consulting customers on available loan products while exercising independent judgment by pre-qualifying financial clients.
• Establish trust and build rapport with clients.
• Understand, articulate, and educate clients on financial calculations, rates, and pricing.
• Analyze applicant financial status, credit and property to identify home loan solutions.
• Articulate cross-sell/cross referral opportunities .
• Strict adherence to phone schedules.
• Understand and manage underwriting, government, and compliance guidelines.
• Utilize systems to maintain product knowledge, register loans effectively & manage pipeline
• Actively manage leads to meet targeted conversion rates.
• Partner with operations teams to provide exceptional service throughout the loan process from application to close.
• Compile appropriate documentation and communicate with customer during the process.
• 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:

• 2-4 years previous sales or finance experience preferred
• Sales oriented individual proficient with the following skills: professional oral and written communication, interpersonal, relationship building, follow up, computer experience and analytical thinking and problem solving.
• Must have the ability to prioritize, be detail oriented & results driven.
• 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:

• High School diploma or equivalent

Anticipated Posting Close Date:

Responsibilities:

• Implements key strategies, including planning and coordination of projects, initiatives and other critical efforts to impact department and organizational goals.
• Develops and executes external partnerships to grow community lending reach and success, partnering both internally and externally for effectiveness.
• Identifies internal stakeholders, manage relationships and guides work relative to core strategy implementation.
• Leads the facilitation, coordination, and arbitration of cross-functional macro level topics within/across programs.
• Leads the identification and drives resolution of issues, including those outside established programs of work.
• Works with stakeholders to ensure program scope definition meets business objectives.
• Works with Program Sponsor to ensure business case/cost benefit analysis is in line with business objectives.
• Drives adherence to program processes, procedures, methods, and standards for program delivery and leverage across the program.
• Assists program team in negotiating for resources owned by other departments in order ensure the program can be completed.
• Directs the communication of status, issue, and risk disposition to all stakeholders, including senior management, on a timely basis.
• Directs the identification of risks which impact program delivery and ensure mitigation strategies are developed and executed when necessary.
• Applies comprehensive understanding of concepts and procedures within own area and basic knowledge of other areas to resolve issues that have impact beyond own area.
• Ensures execution of plan meet business needs as described in the program initiation documents.
• Ensures all stakeholders are identified and included in scope definition activities, understand the program schedule and key milestones and receive schedule status regularly.
• Ensures funding has been approved for the program and all areas of the program are appropriately staffed.
• Escalates program risks to the Program Director, or Program Sponsor, when appropriate.
• Ensures vendor performance is monitored, and actions taken if performance warrants.

Qualifications:

• 7+ years of experience
• Should demonstrate a commitment to quality and attention to detail
• Excellent interpersonal relationships with ability to influence and negotiate with stakeholders
• Critical thinking and problem-solving skills

• Bachelor’sdegree required; MBA preferred

Anticipated Posting Close Date:

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Responsibilities:

• Responsible for providing legal counsel regarding the originations process of the Mortgage Business, supporting strategic initiatives, providing subject matter expertise and interpretations of relevant laws, rules, regulations, and industry practices, and advising business management/leadership on all manner of legal matters and risks impacting the business
• Manages a diverse team by providing guidance for mortgage originations, evaluating employee performance, and providing compensation recommendations, promotions, and support on personnel-related matters
• Provides advisory services in respect of business decisions by applying institutional knowledge against industry standards, widely accepted business practices, laws, rules, and regulatory guidelines, escalating where appropriate
• Collaborates across internal lines of business and control/support functions to achieve coordinated and efficient outcomes on matters of common interest; coordinate closely with the Legal team on a regional and global basis
• Accomplishes results by leveraging networks/connections, colleagues, and peers
• Serves as business partner and advisor to business stakeholders and functional partners (e.g., Risk, Compliance) by participating in planning and development initiatives; contribute to business objectives by using knowledge of industry, laws, and regulations
• Actively participates in various risk reviews, governance and control forums while demonstrating keen awareness of issues that could cause financial, reputational, or legal consequences
• Proactively identifies, evaluates and contributes to the appropriate management of legal, regulatory, and reputational risk through cross- function collaboration, following relevant legal developments, participating in internal projects, escalating as appropriate
• Manages day-to-day legal activities as a subject matter expert in area of responsibility and provide senior advisory services to business partners
• Negotiates, coordinates, and monitors management of complex legal issues and make key decisions within area of responsibility, escalating where necessary
• 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:

• 8+ years of relevant industry experience with some experience working in an in-house legal role in mortgage and/or financial services; previous managerial experience beneficial
• Excellent leadership, interpersonal, organizational and relationship skills
• Experience in working with regulators/regulatory bodies is preferred
• Proven ability to apply sound judgement while managing multiple assignments simultaneously in a demanding, fast-paced environment
• Comprehensive knowledge of multi-jurisdictional laws, regulations and practices while staying abreast of regulatory and legal environment, internal policies and industry trends that impact the business
• Effective communication and negotiation skills and ability to build and maintain trusted relationships
• Bar license in good standing to practice law
• Preferred candidate has familiarity with the requirements of the TILA, RESPA, ECOA, FCRA and corresponding regulations related to mortgage originations.

Education:

• Juris Doctorate or equivalent law degree

Anticipated Posting Close Date:

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Responsibilities:

• Maintains a database of mortgage loans.
• Tracks the prepayment and default behavior of the loans.
• Runs complex econometric models to estimate the value and risk sensitivities of the MSR.
• Consults outside firms for independent valuations for the MSR.
• Works with Citi’s lending group to price new servicing rights. Using that price, the lending group sets the mortgage rate offered to Citi’s customers.
• Keeps abreast of trends in the MSR market and reports developments to senior leaders.
• Preparing and validating reports and business analytics.
• Collaborates with traders who hedge the MSR.

Qualifications:

• 5-10 years of relevant work experience.
• Prior working experience with Databases using advanced SQL experience.
• Intermediate Python, including plotting and statistics libraries.
• Basic understanding of statistics.
• Proficient in Microsoft Office with an emphasis on MS Excel.
• Prior experience with VBA, and Access preferred.
• Familiarity with mortgages and mortgage-backed securities is a big plus, but superlative tech skills can make up for its absence.
• Curiosity about banking, mortgage and consumer lending.
• The ability to work independently with minimal supervision.
• A flair for improving processes without being asked to do so.
• Must have the ability to prioritize, be detail oriented & results driven.
• Consistently demonstrates clear and concise written and verbal communication skills.

Education:

• Bachelor's 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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