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Become A Branch Lending Officer

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Working As A Branch Lending Officer

  • Getting Information
  • Establishing and Maintaining Interpersonal Relationships
  • Making Decisions and Solving Problems
  • Interacting With Computers
  • Processing Information

  • Mostly Sitting

  • Make Decisions

  • Repetitive

  • $63,430

    Average Salary

What Does A Branch Lending Officer Do At Citi

* 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.
* This includes collecting and analyzing information about the customer's financial situation, financial and personal objectives, 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 customers' 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.
* Visit customers outside of Citi's offices, with such visits to vary from HLO to HLO based on clientele, geography, market conditions, and other factors.
* Work as a team with other Financial Center personnel.
* 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.
* Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank

What Does A Branch Lending Officer Do At Loan Depot

* Licensed Lending Officers receive approximately 10
* warm transfers from our contact center After determining the best product for the client, our Lending Officers will lock the loan at point of sale, request initial documents and submit a preliminary paperless loan package Our experienced Processors will take the loan to the finish line, allowing our Licensed Lending Officers to focus on new originations

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How To Become A Branch Lending Officer

Most loan officers need a bachelor’s degree and receive on-the-job training. Mortgage loan officers must be licensed.

Education

Loan officers typically need a bachelor’s degree, usually in a field such as business or finance. Because commercial loan officers analyze the finances of businesses applying for credit, they need to understand general business accounting, including how to read financial statements.  

Some loan officers may be able to enter the occupation without a bachelor’s degree if they have related work experience, such as experience in sales, customer service, or banking. 

Training

Once hired, loan officers usually receive some on-the-job training. This may be a combination of formal, company-sponsored training and informal training during the first few months on the job.

Licenses, Certifications, and Registrations

Mortgage loan officers must have a Mortgage Loan Originator (MLO) license. To become licensed, they must complete at least 20 hours of coursework, pass an exam, and submit to background and credit checks. Licenses must be renewed annually, and individual states may have additional requirements.

Several banking associations, including the American Bankers Association and the Mortgage Bankers Association, as well as a number of schools, offer courses, training programs, or certifications for loan officers. Although not required, certification shows dedication and expertise and thus may enhance a candidate’s employment opportunities. 

Important Qualities

Decisionmaking skills. Loan officers must assess an applicant’s financial information and decide whether to award the applicant a loan. 

Detail oriented. Each piece of information on an application can have a major effect on the profitability of a loan, meaning that loan officers must pay attention to detail.

Initiative. Loan officers need to seek out new clients. They often act as salespeople, promoting their lending institution and contacting firms to determine their need for a loan.

Interpersonal skills. Because loan officers work with people, they must be able to guide customers through the application process and answer their questions.

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Branch Lending Officer jobs

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Branch Lending Officer Demographics

Gender

  • Male

    57.8%

  • Female

    38.5%

  • Unknown

    3.7%

Ethnicity

  • White

    79.8%

  • Hispanic or Latino

    9.2%

  • Asian

    7.8%

  • Unknown

    2.5%

  • Black or African American

    0.7%
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Languages Spoken

  • Spanish

    47.6%

  • Chinese

    14.3%

  • Mandarin

    14.3%

  • Japanese

    9.5%

  • German

    4.8%

  • Cantonese

    4.8%

  • Polish

    4.8%
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Branch Lending Officer

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Branch Lending Officer Education

Branch Lending Officer

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Real Branch Lending Officer Salaries

Job Title Company Location Start Date Salary
International Lending Officer IV Comerica Management Company Detroit, MI Sep 17, 2015 $99,875
Lending Officer International Finance Bank Miami, FL Nov 15, 2016 $60,500
Lending Officer Chinatrust Commercial Bank Ltd Ny Branch New York, NY Jul 31, 2011 $56,100
Junior Lending Officer United International Bank NY Oct 01, 2010 $50,000
Lending Officer United International Bank NY Oct 01, 2010 $50,000
Lending Officer Community Loan Fund of New Jersey, Inc. New Brunswick, NJ Feb 01, 2012 $49,000 -
$63,000
Lending Officer Community Loan Fund of New Jersey, Inc. New Brunswick, NJ Sep 10, 2012 $49,000 -
$67,000

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Top Skills for A Branch Lending Officer

FinancialStatementsLoanPortfolioConsumerLoansRealEstateLoansCustomerServiceLoanApplicationsLoanProductionCreditAuthorityBusinessDevelopmentEquityLinesNewAccountsSecondaryMarketCreditReportsSalesGoalsCreditPolicyCustomerRelationsLoanProcessCreditAnalysisLoanDepartmentBankProducts

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Top Branch Lending Officer Skills

  1. Financial Statements
  2. Loan Portfolio
  3. Consumer Loans
You can check out examples of real life uses of top skills on resumes here:
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Reduced risk by evaluating loan portfolio and taking immediate corrective actions.
  • Originated and processed all consumer loans for Spanish speaking customers.
  • Provided subject matter expertise on Credit Policy and Regulatory rules for commercial real estate loans.
  • Achieved substantial portfolio sales growth by providing high quality customer service to a large network of automobile and boat dealerships.

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