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Citigroup Mortgage Specialist AVP in New York, New York

The RRE MS Specialist SAFE Act LO 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. Strong 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.


  • Citi Private Bank Residential Real Estate Mortgage Specialist will serve as the primary client contact for the mortgage throughout process, from initiation of inquiry to closing, maintaining proactive communication with client and Private Banker at all times.

  • Includes preparation, maintenance and communication of pipeline.

  • Primary point of client contact for obtaining credit documents and clearing underwriting conditions.

  • Serve as "product champion" for assigned business and as the primary resource to accumulate and communicate product information.

  • Provide regular input to the Private Bankers, Associate Bankers and management in terms of MIS, competitive feedback, key client status reports, promotional opportunities, etc.

  • Identify all cross-sell opportunities to Private Bankers as part of client contact.

  • Being responsible for all activities from registering applications through underwriting submission.

  • Reviewing and following up on a frequent basis to process trailing documents as needed.

  • Ability to obtain relevant information from clients, realtors, builder, title companies, appraisers, bankers, accountants or anyone associated with the origination process.

  • Functioning as part of a deal team that requires effective participation and contribution. The position requires the individual to independently exert leadership and effectively orchestrate the assigned portion of the mortgage process.

  • Excellent understanding of all aspects of loan programs and internal and external guidelines.

  • Meet assigned qualitative and quantitative MBO's, as determined by line and product management jointly.

  • Support, on specified basis, back-up needs for Loan Officer colleagues from other businesses / regions.

  • Working knowledge ability to understand and interpret complex tax returns and cash flow statements to determine income.

  • Understanding of complex mortgage structuring

  • Attending regular Global Manager and Region Manager meetings and present product detail to Bankers.

  • 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.


  • 5-8 years of experience


  • Bachelor's/University degree or equivalent experience

Job Family Group:

Private Client Product Services

Job Family:

RRE Mortgage Sales

Time Type:

Full time

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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.