Mortgage Lending Officer SAFE Act - LAKEWOOD

Overview The Mortgage Lending Officer role is a developing professional role that identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within its specialty area with basic understanding of related industry practices. Demonstrates a good understanding of how the team interacts with others to accomplish the objectives of the area, and develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way while being sensitive to audience diversity. The impact of the role is limited to its own team but provides direct value through the quality of the tasks and services performed. The Home Lending Officer represents Citi’s Retail Mortgage business, providing superior service to clients and referral partners, and is responsible for originating high‑quality residential real estate loans. The role is highly interactive, engaging with retail branch partners, operations, and community business development officers to drive mortgage sales and client relationships with clients, real estate agents, and other referral sources. Responsibilities Consult 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, tolerance for risk, plans for the future, income, assets, debts, cash flow, and credit history. Analyze financial information to assess whether the customer and property may qualify for a particular lending solution. Make recommendations to customers about lending solutions that best meet their objectives. Advise customers about the consequences, risks, and benefits of alternative lending solutions. Promote Citi’s brand and positioning as the preferred lender to real estate agencies, builders, other referral sources, and customers. Visit customers outside of Citi’s offices as needed based on client, geography, and market conditions. Collaborate with internal partners to support and grow the customer base. Refer customers seeking services beyond lending to the appropriate Citi professionals. Partner with Operations teams to ensure seamless transfer of the loan application and provide documents to Processors and Underwriters. Work with Processors/Closers and customers to ensure timely closing of loans. Engage key referral relationships (realtors, CPAs, builders) to drive mortgage business into the bank. Introduce clients to segment partners when appropriate (Bank, Wealth Management, Small Business, Cards). Stay abreast of local market trends and regulatory changes to better serve clients and industry professionals. Assess risk in business decisions, demonstrating consideration for the firm’s reputation and compliance with laws, rules, and regulations, and escalating control issues with transparency. Qualifications 2‑5 years of relevant experience, including 3+ years of mortgage sales experience. Residential mortgage experience required and an established book of business. Proven product sales capability. Experience with FHA, VA, and conventional loans is preferred. Ability to understand and explain financial calculations and pricing alternatives. Ability to communicate required documents and information to obtain a loan. Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA. Demonstrated customer service skills. Strong relationship development and management skills. Expertise of general lending products and overall mortgage industry. Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (Registry) and obtain a unique identifier before engaging in mortgage loan originator activities. Education Bachelor’s or university degree, or equivalent experience. Location Lakewood, California, United States Salary and Benefits Base salary range: $60,000 to $175,000 per year. In addition to salary, Citi offers discretionary and formulaic incentive and retention awards (where eligible), medical, dental, and vision coverage, 401(k), life, accident, and disability insurance, wellness programs, and paid time off (vacation, sick leave, paid holidays). Benefits may vary by jurisdiction, job level, and date of hire. Equal Opportunity Employer Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to 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, please review Accessibility at Citi. #J-18808-Ljbffr Citi