CRA Loan Officer

Citizens; Johnston (RI); On-site; USD 55,000 - 100,000; Full time

Job summary

Citizens in Johnston, RI is hiring CRA Loan Officers who build a network of realtors, builders and professionals to drive mortgage opportunities. You will interview customers, explain products, and complete mortgage applications while meeting sales goals.

This role emphasizes CRA eligibility, community development, and education for LMI branches. The position offers a base salary plus commission, comprehensive benefits, and involvement in housing events and community programs.

Qualifications

• BA/BS degree or equivalent experience in residential mortgage sales preferred.
• Three plus years of retail residential mortgage sales experience.
• Documented residential mortgage loan volume in the past 12 months of $12 million (minimum).
• Established relationships with local referral networks.
• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
• Strong computer skills and experience utilizing laptop technology.
• Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the pre-employment screening checks and obtaining a unique identifier from the NMLS.

Responsibilities

• Maintain 55% of your overall business as CRA eligible and create 8 preapprovals/prequals per month.
• Conduct 12 homebuyer seminars per year in designated MSA’s and report out on referrals from those organizations; the PSM should attend 6 seminars a year with CRA LO.
• Conduct and participate in mortgage lunch and learn. 1 per month.
• Work with Low and Moderate income (LMI) branches in their MSA to educate on CRA mortgage products to generate referrals ( if you are assigned branches).
• Work closely with the Community Development Market manager in your market to participate in CRA related events (Housing Fairs, etc).
• Volunteer to be on a Board or committee of a not for profit.
• Schedule on call days with Community Development Market managers (CDMMs) 1 per quarter.

Skills

Relationship building

Communication skills

Sales / business development

CRM / computer skills

Education

BA/BS degree or equivalent experience in residential mortgage sales

Job description

Description

At Citizens, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens is an established and successful financial services company with a branch presence in 14 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented CRA Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.

Primary Responsibilities Include

• Maintain 55% of your overall business as CRA eligible and create 8 preapprovals/prequals per month.
• Conduct 12 homebuyer seminars per year in designated MSA’s and report out on referrals from those organizations; the PSM should attend 6 seminars a year with CRA LO.
• Conduct and participate in mortgage lunch and learn. 1 per month.
• Work with Low and Moderate income (LMI) branches in their MSA to educate on CRA mortgage products to generate referrals ( if you are assigned branches).
• Work closely with the Community Development Market manager in your market to participate in CRA related events (Housing Fairs, etc).
• Volunteer to be on a Board or committee of a not for profit.
• Schedule on call days with Community Development Market managers (CDMMs) 1 per quarter.

Qualifications, Education, Certifications And/or Other Professional Credentials

• BA/BS degree or equivalent experience in residential mortgage sales preferred.
• Three plus years of retail residential mortgage sales experience.
• Documented residential mortgage loan volume in the past 12 months of $12 million (minimum).
• Established relationships with local referral networks.
• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
• Strong computer skills and experience utilizing laptop technology.
• Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the pre-employment screening checks and obtaining a unique identifier from the NMLS.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday through Friday

Pay Transparency

Commissioned based. Individuals in this role have historically earned between $100,000.00 - $250,000.00 per year, based on performance and productivity against commission plan parameters. A component of that compensation includes salary ranging between $55,000.00 - $65,000.00 per year.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Posting End Date: 12/31/2026