Mortgage Home Lending Officer - Northern California

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, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.

Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role 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, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.

Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.

Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution.

Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives

Advise customers about the consequences, risks, and benefits of alternative lending solutions.

Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers.

Visit customers outside of Citi's offices, with such visits to vary based on clientele, geography, market conditions, and other factors.

Work as a team with all internal partners to support and grow our customers.

Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals.

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.

Work with Processors / Closers and customers to ensure the timely closing of the customer's loan.

Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank.

Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.

Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals

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 :

2-5 years relevant experience

3+ years previous mortgage sales experience required

Residential Mortgage experience required

Established book of business

Proven product sales capability is required.

FHA / VA & conventional loan experience is preferred

The ability to comprehend and explain financial calculations and pricing alternatives.

The ability to communicate 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.

Demonstrated customer service skills

Strong relationship development and management skills

Expertise of general lending products and overall mortgage industry.

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,

Education :

• Bachelor's / University degree or equivalent experience

Job Family Group : Consumer Sales

Job Family :

Consumer Product Sales

Time Type : Full time

Primary Location :

San Jose California United States

Primary Location Full Time Salary Range :

$60,000.00 - $175,000.00

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.

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 :

Oct 21, 2025

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.

Citi is an equal opportunity and affirmative action employer.

Minority / Female / Veteran / Individuals with Disabilities / Sexual Orientation / Gender Identity.