Mortgage Community Lending Officer

Primary Location: Vernon Hills, Illinois, United States Job Title: Mortgage Community Lending Officer Responsibilities Consult with customers about their financial situation, personal objectives, and lending needs to help them achieve home‑ownership goals. Collect and analyze customers’ financial information—including income, assets, debts, cash flow, and credit history—to assess eligibility for lending solutions. Make recommendations about lending products that best meet customers’ goals and explain alternatives, including risks and benefits. Promote Citi’s brand and financial services to real‑estate agencies, builders, other referral sources, and customers. Conduct client visits outside Citi offices, adapting frequency to clientele, geography, and market conditions. Collaborate with internal partners to support and grow the customer base. Refer customers needing non‑lending financial services to appropriate Citi professionals. Coordinate with Operations to ensure seamless transfer of loan applications to Processors and Underwriters, and provide additional information as needed. Work with Processors/Closers and customers to guarantee timely loan closure. Build and maintain referral relationships (realtors, CPAs, builders) to drive mortgage business. Assess and manage risk in business decisions, ensuring compliance with applicable laws, regulations, and Citi’s policies. Introduce clients to segment partners (Bank, Wealth Management, Small Business, Cards) when appropriate. Stay abreast of local market trends, rule changes, and regulatory developments; expand internal and external networks to better serve clients. Attend a minimum of 2–3 diverse realtor and/or affordable housing nonprofit events per month. 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. Originate a minimum of three loans per month with at least 50% in CRA‑eligible or minority tract areas. Qualifications 3+ years of residential mortgage sales experience. Residential mortgage experience required. Established relationships with diverse realtor organizations and affordable housing nonprofits in the origination territory. Experience with community loan products, including LMI mortgage solutions, lender‑paid assistance programs, and third‑party assistance programs. Established book of business strongly recommended. FHA/VA and conventional loan expertise preferred. Ability to comprehend and explain financial calculations and pricing alternatives. Ability to communicate required documents and information to customers for loans. Knowledge of consumer lending laws and regulations (fair lending, privacy, RESPA). Demonstrated customer service skills. Self‑motivated and able to work independently. Strong relationship development and management skills. Expertise of general lending products and overall mortgage industry. Education Bachelor’s/University degree or equivalent experience. Job Type: Full time, Salary Range: $90,000.00 – $90,000.00 (plus potential incentive and retention awards). Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/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 Citi