Citi
Mortgage Lending Officer SAFE Act - B11 - DUBLIN
Citi, Dublin, California, United States, 94568
Overview
The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.
Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.
Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers.
Responsibilities
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.
Collect and analyze information about the customer's financial situation, financial and personal goals, 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 Citi as the provider for lending and other financial solutions to real estate agencies, builders, other referral sources, and customers.
Visit customers outside of Citi's offices, with visits varying based on clientele, geography, market conditions, and other factors.
Work as a team with internal partners to support and grow our customers.
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 to processors and underwriters and obtain any additional information needed.
Work with Processors/Closers and customers to ensure timely closing of the loan.
Develop and expand key referral relationships (e.g., realtors, CPAs, builders) to drive mortgage business into the bank.
Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.).
Stay abreast of trends in the local market and changes in industry rules and regulations; expand networks to better serve clients and industry professionals.
Assess risk appropriately in business decisions, uphold the firm’s reputation, and ensure compliance with laws, rules, and regulations; escalate, manage, and report control issues with transparency.
Qualifications
2-5 years relevant experience
3+ years previous mortgage sales experience required
Residential Mortgage experience required
Established book of business
Proven product sales capability is required
FHA/VA & conventional loan experience is preferred
Ability to comprehend and explain financial calculations and pricing alternatives
Ability to communicate with customers about required documents and information to obtain a loan
Knowledge of laws and regulations governing consumer lending, including fair lending, privacy, and RESPA
Demonstrated customer service skills
Strong relationship development and management skills
Expertise in general lending products and the mortgage industry
Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier before engaging in mortgage loan originator activities
Education
Bachelor’s/University degree or equivalent experience
Details Job Family Group: Consumer Sales
Job Family: Consumer Product Sales
Time Type: Full time
Primary Location: Dublin, California, United States
Primary Location Full Time Salary Range: $60,000.00 - $175,000.00
In addition to salary, Citi offers discretionary and incentive awards. Citi provides medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Paid time off includes vacation, sick leave, and holidays. Availability of benefits varies by jurisdiction, job level, and date of hire. See citibenefits.com for details.
EEO Information Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law. If you need a reasonable accommodation to use our search tools or apply for a career opportunity, please view Accessibility at Citi and Citi’s EEO Policy Statement and the Know Your Rights poster.
Anticipated Posting Close Date: Oct 15, 2025
Most Relevant Skills and Other Relevant Skills are listed above. For additional information, please contact the recruiter.
Note: This job description is provided for informational purposes and may be subject to change at Citi’s discretion.
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Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.
Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers.
Responsibilities
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.
Collect and analyze information about the customer's financial situation, financial and personal goals, 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 Citi as the provider for lending and other financial solutions to real estate agencies, builders, other referral sources, and customers.
Visit customers outside of Citi's offices, with visits varying based on clientele, geography, market conditions, and other factors.
Work as a team with internal partners to support and grow our customers.
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 to processors and underwriters and obtain any additional information needed.
Work with Processors/Closers and customers to ensure timely closing of the loan.
Develop and expand key referral relationships (e.g., realtors, CPAs, builders) to drive mortgage business into the bank.
Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.).
Stay abreast of trends in the local market and changes in industry rules and regulations; expand networks to better serve clients and industry professionals.
Assess risk appropriately in business decisions, uphold the firm’s reputation, and ensure compliance with laws, rules, and regulations; escalate, manage, and report control issues with transparency.
Qualifications
2-5 years relevant experience
3+ years previous mortgage sales experience required
Residential Mortgage experience required
Established book of business
Proven product sales capability is required
FHA/VA & conventional loan experience is preferred
Ability to comprehend and explain financial calculations and pricing alternatives
Ability to communicate with customers about required documents and information to obtain a loan
Knowledge of laws and regulations governing consumer lending, including fair lending, privacy, and RESPA
Demonstrated customer service skills
Strong relationship development and management skills
Expertise in general lending products and the mortgage industry
Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier before engaging in mortgage loan originator activities
Education
Bachelor’s/University degree or equivalent experience
Details Job Family Group: Consumer Sales
Job Family: Consumer Product Sales
Time Type: Full time
Primary Location: Dublin, California, United States
Primary Location Full Time Salary Range: $60,000.00 - $175,000.00
In addition to salary, Citi offers discretionary and incentive awards. Citi provides medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Paid time off includes vacation, sick leave, and holidays. Availability of benefits varies by jurisdiction, job level, and date of hire. See citibenefits.com for details.
EEO Information Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law. If you need a reasonable accommodation to use our search tools or apply for a career opportunity, please view Accessibility at Citi and Citi’s EEO Policy Statement and the Know Your Rights poster.
Anticipated Posting Close Date: Oct 15, 2025
Most Relevant Skills and Other Relevant Skills are listed above. For additional information, please contact the recruiter.
Note: This job description is provided for informational purposes and may be subject to change at Citi’s discretion.
#J-18808-Ljbffr