Community Mortgage Lending Officer (SAFE Act) - B11

Citi; New York (NY); Hybrid; USD 81,000 - 99,000; Full time

Benefits offered by this job

Medical benefits

Dental coverage

Vision coverage

401(k)

Job summary

Citi in Rockville, Maryland, seeks a Community Mortgage Lending Officer to drive mortgage sales and cultivate client relationships with community clients, diverse real estate agents, and affordable housing non-profits.

The role focuses on promoting Citi's lending solutions, collaborating with product sales teams, and ensuring timely loan closings while maintaining regulatory compliance and ethical standards.

Qualifications

• 2-5 years relevant experience.
• Residential Mortgage experience required.
• 3+ years mortgage sales experience required.
• Established relationships with diverse realtor orgs and affordable lending nonprofits.
• Experience with community loan products incl. LMI mortgage solutions and assistance programs.
• Established book of business.
• FHA/VA & conventional loan experience preferred.
• Ability to explain financial calculations and pricing to customers.
• Knowledge of consumer lending laws incl. fair lending, privacy and RESPA.
• Strong customer service and relationship skills.

Responsibilities

• Consult with customers about financial situation and lending needs to achieve home ownership goals.
• Collect and analyze financial information, goals, risk tolerance and credit history.
• Assess whether customer and property may qualify for lending solutions.
• Recommend lending solutions to meet objectives.
• Advise customers on risks/benefits of options.
• Promote Citi and its lending services to realtors and partners.
• Visit customers outside Citi offices as needed.
• Collaborate with internal partners to grow customers.
• Refer customers to appropriate Citi professionals for other services.
• Work with Operations to ensure smooth loan applications and timely closings.

Skills

Mortgage sales

Residential lending

Realtor relationships

LMI programs

FHA/VA knowledge

Book of business

Education

Bachelor's degree

Tools

Job description

Community Mortgage Lending Officer (SAFE Act) - B11

Job Req Id:

26988635

Location(s):

Rockville, Maryland, United States

Job Type:

Hybrid

Posted:

Aug. 28, 2026

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Job Overview

The Community Mortgage Lending Officer is 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.

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.

Education:

• Bachelor's/University degree or equivalent experience

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.

Job Family Group:

Consumer Sales

Job Family:

Consumer Product Sales

Time Type:

Full time

Primary Location:

Rockville Maryland United States

Primary Location Full Time Salary Range:

$90,000.00 - $90,000.00

Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs.

• 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 06, 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.

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.

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