Senior Community Lending Manager

The Senior Community Lending Manager is responsible for executing the mortgage sales business within a defined geographic area. This manager is responsible for a market volume in excess of $250 million; approximately 40 Financial Centers; and has direct management of 12 - 15 home lending specialists, and additional support specialists. This position is responsible for managing the sales team which drives community based loans as well as complex/high net worth individual loans to drive results while maximizing customer satisfaction to meet the needs of the clients.

Responsibilities:

• 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.

• Work closely with Strategic Markets team members in the development of CRA and Fair Lending strategies and the action plans needed to accomplish team goals.

• Assess competitive landscape, customer behavior and feedback and analytical trends to determine the effectiveness of our product and program offerings in meeting the objective of driving LMI and diverse market lending in order to achieve CRA and Fair Lending goals.

• Assist in the development / design of reporting to track the usage, trends, and controls around Citi’s Community Lending products and programs.  Provide recommendations accordingly based on the analysis and evaluation of relevant MIS.

• Serve as Community Lending Program Subject Matter Expert (SME) for the Strategic Markets Team, assisting and resolving issues and concerns as they arise.  Manage the relationship(s) of Mortgage Revenue Bond programs.

• 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 Ret