Job Details
Mortgage Representatives 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 conduct inbound and outbound mortgage sales calls, counseling your customers on available loan products, promoting Citi's brand and referring customers who seek financial services other than lending solutions to the appropriate Citi professionals. You will submit Purchase and Refinance loan applications, partner with operations teams and communicate with the customer throughout the loan process. We strive to earn and maintain our clients and the publics trust by constantly adhering to the highest ethical standards.
* Shift: Day
* Level: Mid
* Travel: No
**Responsibilities**
Position Overview:
We are seeking exceptional individuals for opportunities as a Mortgage Sales Representative in our Grace Lake, MI office. As a Mortgage Sales Representative, you will conduct inbound/outbound mortgage sales calls counseling your customers on available loan products while exercising independent judgment by pre-qualifying financial clients.
Compensation is comprised of base pay + variable incentive compensation that is paid both monthly and quarterly. Benefits are eligible from day one, and Citi matches up to 6% on your 401(k) after one year of service.
Responsibilities:
* Conduct inbound and outbound mortgage sales calls
* Understand and articulate financial calculations and current rate/pricing
* Counsel customers on available loan products by pre-qualifying their financial circumstances
* Articulate cross-sell/cross referral opportunities
* Strict adherence to phone schedules
* Understand and manage to underwriting and government guidelines
* Utilize systems to maintain product knowledge, register loans effectively & manage pipeline
* Excellent follow-up skills to ensure targeted conversion rates are met
* Partner with operations teams to ensure seamless transfer of file
* Compile appropriate documentation and communicate with customer during the process
Qualifications:
* Excellent interpersonal, communication, follow-up & relationship building skills
* Must be self- motivated with high energy & a positive attitude
* Must have the ability to multi-task, be detail oriented & results driven
* Strong written and computer skills
* Ability to work flexible shifts Monday - Saturday (5 days a week) Hours: Various shifts
* Desired: 1-2 years prior mortgage industry, sales or finance experience
Will consider recent college graduates with demonstrated high achievements and/or top sales producers outside the mortgage industry
Professional communication skills, both oral and written are required.
No Relocation Available.
**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.Compensation is comprised of base pay + variable incentive. Variable incentive compensation is based on individual performance and is not guaranteed.
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. 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.
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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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To view the "EEO is the Law" poster. To view the EEO is the Law Supplement .
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To view the Pay Transparency Posting .
I am a Mortgage Representative i.e. loan officer originating first mortgage loans for refinance and purchases.
Being in a revenue-generating role, I help the organization meet loan volume targets.
I came from another department at Citi. I was highly interested in mortgages and reached out to sales management to come over.
I take calls from clients who would like to purchase or refinance a home. I recommend options based on their needs and follow the loan all the way to closing. I like the challenge of my job.
I love working with people on my team and my manager. I also love the fast-paced environment and the challenge.
I love helping people and positively affecting their finances and getting them into a new home.
Drive, competitive spirit, strong work ethic and detail oriented.
Gaining sales or customer service experience.
Citi has many different divisions, and doing well in one role can lead to opportunities in other departments.
Citi has great leadership and always does right for our clients and employees.
**Define what success means to you.**
Success means helping as many families as possible and helping them get to the right loan.
I work with everyday people to remove obstacles, restore hope, build a plan to realize dreams and protect families' most prized assets.
My role drives revenue, secures clients, provides security for the channel and bank partners alike and ensures sustainability for the firm. I fly the jets.
A fellow coach thought I might be a good fit for this sales role.
Connecting with families, challenging customer objections, problem solving, educating and empowering clients and winning business. I enjoy helping people see things from different perspectives.
The best part about my work environment is the opportunity to completely motivate myself, challenge my limits, control my own workflow, and help new mortgage professionals to be successful.
I enjoy the transaction, the friction, the agreement, the confusion and the resolution. I have the opportunity to replace one set of perceived problems with an abundance of solutions and overload the customer with attractive options to better their quality of life and increase their financial freedom. I get to leave good residue on people's lives
Listening, creativity, communication and a positive outlook are all paramount to this role.
This is the most challenging thing I've ever had the pleasure of being involved with. It will show you who you are and what you're made of. Do it.
Based on what I've learned and accomplished, I can do and be anything I want to be in this organization.
The freedom to be anything. I've been fortunate to work for a supportive manager who allows me to be who I am in my dealings with internal and external customers. I've never felt stifled or pressured by anyone here at Citi. I'm proud to be a Citi employee.
**Define what success means to you.**
Success is knowing that regardless of what happens with the financial markets, home values or governments, I will always have abundance and value to a sea of employers and customers alike.
I am a Mortgage Representative. My job entails helping clients to navigate the loan process when buying and refinancing homes. We make a difference with our customers by helping them to s