Mortgage Loan Officer

Job Description

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you'll deepen relationships with your clients by collaborating with peers across banking, lending and investing, helping them with short- and long-term financial goals.

Become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens is honored to be a top Lender in the Mortgage sector and is passionate about growing our market share in the states we currently operate. We are currently hiring dedicated Mortgage Loan Officers who proactively identify, build and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.

Primary responsibilities include

• Go above and beyond for customers - Aspire to deliver outstanding customer service
• Drive sales through service - Achieve sales and referral goals by developing a positive customer experience
• Build book of business - Proactively seek ways to develop and expand customer relationships in order to contribute towards the branch success
• Maximize personal productivity - Desire to improve personal efficiency through attention to detail, self-motivation, and adaptability to achieve branch and personal goals
• Grow your own capabilities - Actively participate in opportunities to expand knowledge, influencing and interpersonal skills

Qualifications, Education, Certifications and/or Other Professional Credentials

• BA/BS degree preferred or equivalent experience in residential mortgage sales
• Two plus years of retail residential mortgage sales experience
• Documented residential mortgage loan volume in the past 12 months of $8 million (minimum)
• Established relationships with local referral networks
• Ability to communicate clearly and effectively, both verbally and in writing, across a broad range of audiences
• Strong computer skills and experience using laptop technology
• Successful candidate must meet and follow all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.

Pay Transparency

Commissioned based. Individuals in this role have historically earned between $100,000.00 - $250,000.00 per year, based on performance and productivity against commission plan parameters.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit

Required Skills

• Analytical Reasoning
• Building Relationships
• Client Management
• Communicating Effectively
• Confidentiality
• Credit Deal Execution
• Curiosity
• Customer Due Diligence (CDD)
• Customer Journey Orchestration
• Diversity and Inclusion (D&I) Strategy and Policy
• Industry Insight
• Mortgage Loan or Mortgage Products
• Motivating Others
• Persistence and Tenacity
• Problem-Solving
• Product Knowledge

About Us

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

Job Applicant Data Privacy Policy

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Job Info

• Job Identification 49298
• Job Category Advisory & Relationship Management
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Job Shift 1st
• Locations 3349 Monroe Ave, Rochester, NY, 14618, US
• Working Hours 40
• Career Site Category Mortgage
• Commission Flag Commission Plus