Mortgage Lending Officer SAFE Act - LOS ALTOS

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, a leading global financial services company, provides a broad range of financial products and services to consumers, corporations, governments and institutions. The Home Lending Officer role represents the Retail Mortgage business providing service to clients and referral partners and is responsible for originating high quality residential real estate loans. This role engages internally with retail branch partners, operations, and other referrals. It 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, objectives, and lending needs to help them achieve home ownership goals. Collect and analyze information about the customer’s financial situation, goals, risk tolerance, plans, income, assets, debts, cash flow, and credit history. Analyze financial information to assess whether the customer and property may qualify for a lending solution. Recommend lending solutions that best meet the customer’s objectives. Advise customers about the consequences, risks, and benefits of alternative lending solutions. Promote Citi’s brand and lending services to real estate agents, builders, other referrals, and customers. Visit customers outside Citi’s offices as appropriate based on geography and market conditions. Collaborate with internal partners to support and grow customer relationships. Refer customers seeking non-lending financial services to the appropriate Citi professionals. Partner with Operations to ensure the smooth transfer of loan applications and gather information needed by Processors and Underwriters. Work with Processors/Closers and customers to ensure timely loan closings. Develop key referral relationships (realtors, CPAs, builders) to drive mortgage business. Introduce clients to segment partners when appropriate (e.g., Bank, Wealth Management, Small Business, Cards). Stay informed about local market trends and regulatory changes to better serve clients and professionals. Assess risk in business decisions, uphold the firm’s reputation, and drive compliance with laws, rules, and regulations; escalate and report control issues with transparency. Qualifications: 2-5 years of relevant experience 3+ years of mortgage sales experience required Residential mortgage experience required Established book of business Proven product sales capability FHA/VA and conventional loan experience preferred Ability to comprehend and explain financial calculations and pricing Ability to communicate required documents for loan processes Knowledge of consumer lending laws and regulations including fair lending, privacy, and RESPA Customer service skills Strong relationship development and management skills Expertise in general lending products and 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 MLO activities Education: Bachelor’s/University degree or equivalent experience ------------------------------------------------------ Other Information Job Family Group: Consumer Sales Job Family: Consumer Product Sales Time Type: Full time Primary Location: Los Altos, California, United States Primary Location Full Time Salary Range: $60,000.00 - $175,000.00 In addition to salary, Citi’s offerings may include incentive and retention awards. Citi offers medical, dental & vision coverage; 401(k); life, disability insurance; wellness programs; and paid time off. Availability of benefits may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date Jul 23, 2026 ------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, to align candidate skills with job openings. If you consent, we can match your skills to other suitable roles at Citi. Hiring decisions are made by individuals; automation does not replace human judgment. See jurisdictional details for specifics. ------------------------------------------------------ Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by law. If you need a reasonable accommodation to use our tools or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr Citigroup Inc.