Community Lending Officer Las Vegas

Citi; Las Vegas (NV); On-site; USD 81,000 - 99,000; Full time

Job summary

Citi in Las Vegas is seeking an entry level Community Mortgage Lending Officer who will drive mortgage sales and build client relationships with community clients, diverse real estate agents, and affordable housing nonprofit partners in coordination with the Consumer Product Sales team.

Responsibilities include consulting with customers on financials and lending needs, analyzing data, recommending lending solutions, visiting clients, and ensuring timely loan closings while promoting Citi's brand

Qualifications

• 2-5 years relevant experience.
• Residential Mortgage experience required.
• 3+ years previous mortgage sales experience required.
• Established relationships with diverse realtor organizations and affordable lending nonprofits in origination territory.
• Experience with community loan products incl. LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programs.
• Established book of business.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing options.
• Knowledge of consumer lending laws incl. fair lending, privacy and 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.
• Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry before engaging in activities.
• Originate minimum of 3 loans per month with a minimum mix of 50% CRA eligible or within minority tracts.

Responsibilities

• Consult with customers about their financial situation, objectives and lending needs for home ownership goals.
• Collect and analyze information about the customer's financial situation, goals, risk tolerance, income, assets, debts and credit history.
• Analyze financial information to assess qualification for lending solutions.
• Recommend lending solutions that meet customers' objectives.
• Promote Citi's brand and lending services to real estate agencies, builders, referral sources and customers.
• Visit customers outside Citi's offices based on clientele and market conditions.
• Work with internal partners to support and grow customers.
• Refer customers to other Citi professionals when appropriate.
• Partner with Operations to ensure loan application transfer and timely processing.
• Work with Processors/Closers to ensure timely closing of loans.
• Develop referral networks with Realtors, CPAs, builders, etc.
• Assess risk and comply with laws, policy and ethical standards.

Skills

Mortgage sales

Client relationships

Community outreach

Realtor relationships

Regulatory compliance

Risk assessment

Self-motivated

Independent work

Education

Bachelor's degree

Job description

The Community Mortgage Lending Officer is an entry level position responsible for driving mortgage sales and client relationships through engagement with community clients, diverse real estate agents, and affordable housing non-profit partners in coordination with the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients.

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.
• 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
• 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
• Attend a minimum of 2 – 3 Diverse Realtor and/or affordable housing nonprofit events per month.
• 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 judgement regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications

• 2-5 years relevant experience
• Residential Mortgage experience required
• 3+ years previous mortgage sales experience required
• Established relationships with diverse realtor organizations and affordable lending nonprofits in origination territory
• Experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programs.
• Established book of business
• 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
• Self-motivated and able to work independently
• 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.
• Originate minimum of 3 loans per month with a minimum mix of 50% being either CRA eligible or within minority tracts.

Education

• Bachelor's/University degree or equivalent experience

Job Family Group

Consumer Sales

Job Family

Consumer Product Sales

Time Type

Full time

Primary Location

Las Vegas Nevada United States

Primary Location Full Time Salary Range

$90,000.00 - $90,000.00

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

Aug 04, 2026

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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