Mortgage Lending Officer (SAFE Act) - GAITHERSBURG
Citi · Gaithersburg, MD · 1 mo ago
Hybrid$120k/yrFull-time
We need to output HTML fragment with sections: About the role, Responsibilities, Requirements (or Qualifications), Skills maybe, Benefits, Pay, Schedule. Must only include sections with real specific content. No filler. Must not repeat job title as heading. Must not include Job ID etc. Must preserve all substantive info, no summarizing away detail. Must remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. Also remove "Most Relevant Skills", "Other Relevant Skills", "Anticipated Posting Close Date", "Automated Processing and AI", EEO statements, etc.
We need to extract content: The posting includes description paragraphs before "Responsibilities:" which is about the role. So we can put that under . The responsibilities are a long paragraph with sentences separated by periods. We need to split into list items. Must preserve all substantive info; we can make each sentence a list item.
Then Qualifications: after "Qualifications:" up to before "Education:"? Actually includes "Education:" line. We'll treat Qualifications as requirements (experience, etc.) and Education as separate maybe under Requirements? The instruction: Use headings for section headings e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we could have Requirements (maybe combine experience and education) and Qualifications maybe separate? But we have both "Qualifications:" and "Education:" lines. We could put experience/skills under Requirements, and Education under Qualifications? Or we could treat Qualifications as the list of requirements (experience, etc.) and Education as a subsection? But we must not create thin sections. Better to combine: Use
About the role
with paragraphs. Then Responsibilities: list after "Responsibilities:" up to before "Qualifications:" (maybe includes bullet-like sentences). We need to turn each duty intoRequirements
for the qualifications and education combined. Or we could have Requirements for experience/skills and Qualifications for education? The instruction says use those headings if there is real specific content. We have both Qualifications and Education content. So we could have two sections: Requirements (for experience/skills) and Qualifications (for education). But the education is just "Bachelor's/University degree or equivalent experience". That's specific. So we can have Qualifications heading for education. Also we have Skills: there is "Most Relevant Skills Please see the requirements listed above." and "Other Relevant Skills For complementary skills, please see above and/or contact the recruiter." That's not specific; it's placeholder. So we should NOT create a Skills section because it's not real specific content. So we skip Skills. Benefits: there is description: "In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire." We need to include Benefits section only if posting has real specific content. It does have specifics: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off packages (vacation, sick leave, holidays). So we should include Benefits. Pay: there is "Primary Location Full Time Salary Range: $120,000.00 - $120,000.00". That's a specific number (same min and max). So we should include Pay section with that info. Also note "In addition to salary, Citi’s offerings may also include..." but that's benefits. Schedule: there is "Time Type: Full time". That's specific. So we include Schedule. We also have location: "Primary Location: Gaithersburg Maryland United States". Should we include location? Not in headings list but we could fold into About the role paragraph or a short p. The instruction: do NOT put Job ID / requisition numbers as headings — fold minor metadata into a shortor drop it. So location is minor metadata; we can include a short p after About the role maybe. We must not include boilerplate like EEO, AI notice, etc. We must preserve all substantive information: The description paragraphs before Responsibilities contain many details about role, Citi, etc. We need to keep them. We need to output only HTML fragment, no /, no markdown fences. Let's craft:
About the role
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.
Primary Location: Gaithersburg, Maryland, United States
Then Responsibilities: we need to split sentences. Responsibilities text after "Responsibilities:" up to before "Qualifications:" (the line "Qualifications:" appears after a period). Let's extract: "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 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 based on clientele, geography, market conditions, and other factors. Work as a team with all 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 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. 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. Build and maintain relationship with clients, Bank Teams, Wealth Advisors and support teams to drive new business and retention of mortgage lending and bank deposits and investments Introduce Citi Wealth Teams (bankers, wealth advisors, small business) to self-sourced clients and work together to expand / deepen relationships, and work together on strategic plans to acquire new clients Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals and represent Citi at industry events as a subject matter expert. >$50M or 150 units of annual production (not to be published publicly)" Note the last line seems like a production target; it's part of responsibilities? It's a bullet maybe. We'll keep as list item. We need to make each sentence a list item. Some sentences have multiple clauses but we keep as is. Let's produce- ...
Requirements
for the qualifications list (experience, skills). ThenQualifications
for Education line. But the instruction says use headings for section headings e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we can have both Requirements and Qualifications. Thus:Requirements
- 5-8 years of experience ... etc. Then
Qualifications
Bachelor's/University degree or equivalent experience
Now Benefits: we need to list benefits as list maybe. Benefits text: "In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire." We should keep substantive info: discretionary and formulaic incentive and retention awards; medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off packages (vacation, sick leave, holidays). Also note the link to citibenefits.com and variability. We can make a- with each benefit.
Pay: "Primary Location Full Time Salary Range: $120,000.00 - $120,000.00". We'll output
Salary Range: $120,000.00 -