Senior Mortgage Lending Officer

About the Role

This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within the mortgage lending specialty with a basic understanding of related industry practices. Develops working knowledge of industry practices and standards, with a good understanding of how the team interacts with others to accomplish objectives. The position has a limited but direct impact on the business through the quality of tasks and services provided, with impact primarily restricted to the team.

As a Senior Mortgage Lending Officer, you will represent Citi Bank Retail Mortgage, providing superior service to clients and referral partners while originating high-quality residential real estate loans. This highly interactive role involves collaboration with retail branch partners, operations, and community business development officers to drive mortgage sales and client relationships.

Responsibilities

• Consult with customers about their financial situation, objectives, and lending needs to help them achieve home ownership goals.
• Collect and analyze customer financial information, including income, assets, debts, cash flow, credit history, and risk tolerance.
• Assess whether customers and properties qualify for specific lending solutions and recommend suitable options.
• Advise customers on the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and financial services to real estate agencies, builders, referral sources, and customers.
• Conduct off-site customer visits based on clientele, geography, market conditions, and other factors.
• Collaborate with internal partners to support and grow customer relationships.
• Refer customers seeking non-lending financial services to appropriate Citi professionals.
• Partner with Operations teams to ensure seamless loan application processing and document acquisition.
• Work with Processors, Closers, and customers to ensure timely loan closings.
• Develop and maintain key referral relationships (e.g., Realtors, CPAs, Builders) to drive mortgage business.
• Assess risk in business decisions while safeguarding Citi’s reputation, clients, and assets through compliance with laws, regulations, and ethical standards.
• Build and maintain relationships with clients, Bank Teams, Wealth Advisors, and support teams to drive new business and retain mortgage lending, deposits, and investments.
• Introduce Citi Wealth Teams to self-sourced clients to expand relationships and acquire new clients.
• Stay abreast of local market trends, industry regulations, and expand professional networks to represent Citi at industry events.

Requirements

• 5-8 years of residential mortgage experience.
• 1+ year of previous sales, credit, and/or finance experience.
• Proven product sales capability.
• FHA/VA and conventional loan experience preferred.
• Ability to comprehend and explain financial calculations, pricing alternatives, and required loan documentation.
• Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills and self-motivation to work independently.
• Strong relationship development and management skills.
• Expertise in general lending products and the overall mortgage industry.
• Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier before engaging in mortgage loan originator activities.

Qualifications

• Bachelor’s degree or equivalent experience.

Pay

Full-time salary range: $120,000.00 - $120,000.00. In addition to salary, eligible employees may receive discretionary and formulaic incentive and retention awards.

Benefits

• Medical, dental, and vision coverage.
• 401(k) retirement plan.
• Life, accident, and disability insurance.
• Wellness programs.
• Paid time off, including vacation, sick leave, and holidays.

Available offerings may vary by jurisdiction, job level, and date of hire. For additional details, visit citibenefits.com.

Schedule

Full time.

Primary location: Oakland, California, United States.