Dedicated Lending Associate (SAFE Act) - GAITHERSBURG

The Dedicated Lending SAFE Act is an entry level position responsible for contributing to the formulation and implementation of long and short-term strategic plans and objective is to increase market share/penetration and maximize opportunities for growth throughout the marketplace. The Dedicated Lending SAFE Act assists in providing product specialists with qualified referrals for cross-sell. Employees in this role also assist in closing deals across products and coordinate underwriting/credit practices.

Responsibilities:

• Deliver mortgage lending services to clients in consultation with assigned Home Lending Officer(s) in all aspects of the loan application process to include: collecting borrower information, consulting a borrower on mortgage options; quoting rates/terms from the system, and addressing follow-ups on the application/mortgage processing
• Gather information from clients and other third party sources such as title companies and real estate agents, and apply judgement based on practice and precedence to determine needed items to submit files to underwriting for approval
• Monitor application pipeline to ensure key dates (consent, lock, lock expiration, anticipated closing dates) are met and communicate with clients on requirements and timelines.
• Manage the marketing process for the Home Lending Officer supported, which includes marketing material management and follow-up on prospective customer leads as needed, working open houses, realtor agent events and training events
• Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the processors and acquire any additional information needed by the processors and/or underwriters
• Manage customer inquiries as well as build and maintain relationships with client book of work
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 1-3 years of relevant experience in Mortgage/Loan Origination
• Banking experience preferred
• Consistently demonstrates clear and concise written and verbal communication
• This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

Education:

• Bachelor’s/University degree or High School diploma/equivalent with at least 2 years of relevant Loan Origination experience

Competencies

• Expert knowledge of general lending products and services and pricing alternatives in the industry.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Strong communication skills with customers about the proper documents and information needed to obtain a particular loan
• Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA
• Self-starters who can work independently or work with existing partnerships with a proven track record
• Ability to work as part of a team to grow the assigned branch/branches or community organization.

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Job Family Group:

Consumer Sales

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Job Family:

Consumer Sales Support

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Time Type:

Full time

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Primary Location:

Gaithersburg Maryland United States

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Primary Location Full Time Salary Range:

$72,000.00 - $105,000.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Sep 01, 2026

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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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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.