Community Lending Officer - San Jose

Citi; San Jose (CA); On-site; USD 81,000 - 99,000; Full time

Job summary

Citi in San Jose, CA is seeking an entry level Community Mortgage Lending Officer to drive mortgage sales and build client relationships with community clients, real estate agents, and nonprofit partners.

Responsibilities include consulting on financing options, collecting financial data, recommending lending solutions, and coordinating with internal partners to ensure smooth loan processing and timely closings. A Bachelor's degree and mortgage experience are preferred.

Qualifications

• Residential mortgage experience required.
• 3+ years mortgage sales experience required.
• Established relationships with diverse realtor organizations and affordable lending nonprofits in origination territory.
• FHA/VA & conventional loan experience is preferred.
• The ability to comprehend and explain financial calculations and pricing alternatives.
• 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.
• 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 and lending needs.
• Collect and analyze information about the customer's finances and goals.
• Analyze financial information to assess qualification for lending solutions.
• Make recommendations on lending solutions meeting objectives.
• Advise customers on risks and benefits of alternatives.
• Promote Citi's lending services to real estate agents, builders, and nonprofits.
• Visit customers outside Citi's offices as needed.
• Collaborate with internal partners to support customers.
• Refer customers to other Citi professionals as appropriate.
• Coordinate with Operations to obtain/submit documents for processing.
• Work with Processors/Closers to ensure timely loan closing.
• Develop referral networks with Realtors, CPAs, builders, etc.
• Assess risk and ensure compliance with laws and Citi policies.
• Introduce clients to segment partners (Bank, Wealth Management, Small Business, Cards).
• Stay informed on local trends and regulatory changes.
• Attend 2–3 diverse Realtor and affordable housing nonprofit events per month.

Skills

Mortgage sales

Customer relationship management

Communication skills

Risk awareness

Self-motivation

Education

Bachelor's/University degree or equivalent experience

Tools

NMLS Registry knowledge

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 judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

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. As part of this registration process, you must be fingerprinted unless you have fingerprints are on file with NMLS Registry that are less than 3 years old. This position further requires that you maintain and renew that registration on an annual basis, update registration information with the Registry on a timely basis, and provide your unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

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

San Jose California 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.

Anticipated Posting Close Date

Aug 05, 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.

Equal Opportunity Employer

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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.