Delivers upon the bank goal for mortgages with the assigned geographic area
Lead and represent Division on key projects and initiatives
Work directly with Divisional Bank Leadership to deliver results
Engage in overall division planning and support as needed from Division Lending Executive
Focus on the consistent deployment of all management routines that drive performance, including LMS usage (contacts, appointments, conversion rates) and outbound calling by encouraging and rewarding daily participation.
Establish and maintain key relationships and business contacts within the community and targeted industry segments to create opportunities for growth.
Lead key referral relationships (Realtors, CPA's, Builders, etc.) to drive mortgage business into the bank.
Coach / mentor all home lending specialists to ensure they achieve their individual performance plan (ensure they all have).
Spends majority of time in the field with sales team and bank branch personnel.
Conducts frequent sales meetings for team.
Prioritize, manage and communicate promotional campaigns and product initiatives.
Utilizing analytical information provided and real time experience in the area, analyze trends in both local/niche market and customer profiles to identify potential sales opportunities.
Maintains strategic focus on CRA eligible loans utilizing Community BDO in assigned area
Accountable for attaining origination, revenue, recruiting/attrition, compliance and profitability goals set by the National Mortgage Sales Director.
Establishes and implements marketing strategies for the designated geography. Identify appropriate local business industry conferences and events for staff members to attend, prepare business justification, organize and present when appropriate.
Serves as mortgage expert for all branch and field personnel in assigned area.
Manage all possible related operations subject to volume/expense/regulatory/compliance issues by originating high quality mortgage loans for resale in secondary markets and portfolio.
Liaison for escalated issues both from an operations and customer service standpoint
Identify and develop existing staff to build bench strength.
Responsible for hiring home lending specialists in assigned area.
Responsible for the execution of the performance management process of the area sales team.
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:
10+ years of sales and management experience with proven experience in growing Retail Mortgage business in different economic cycles and achieving sales targets.
Expert on product knowledge Expert knowledge of the US mortgage industry and competitive environment - or ability to learn quickly.
Proven ability to identify key customer needs and to develop programs, processes or products that meet those needs.
Good communication and presentation skills. Strong analytical, planning and organizational skills with the ability to multi task and prioritize effectively.
Ability to lead and manage a diverse sales force, using multiple channels with a diverse client
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.