CRA Loan Officer at Citizens Seven Hills, OH

Citizens; Seven Hills (OH); On-site; USD 65,000 - 95,000; Full time

Job summary

Citizens is seeking a CRA Loan Officer in Seven Hills, OH to identify, develop, and maintain a strong network for mortgage lending opportunities. You will interview customers, advise on loan products, and assemble complete mortgage applications while meeting sales goals and policies.

Responsibilities include funding a minimum CRA loans monthly, maintaining CRA-eligible business share, and engaging with organizations serving the LMI community.

Qualifications

• BA/BS degree or equivalent experience in residential mortgage sales.
• Three or more years of retail residential mortgage sales experience.
• Documented residential mortgage loan volume in past 12 months of at least $12 million.
• Established relationships with local referral networks.
• Strong communication skills, verbal and written.
• Proficient with standard laptop technology and software.

Responsibilities

• Close and fund a minimum of 3 CRA loans per month.
• Maintain 60% of overall business as CRA eligible.
• Create and maintain active involvement in organizations serving the LMI community in your designated market.
• Activate community second programs ensuring necessary documentation is submitted for approval.
• Conduct 6 homebuyer seminars per year.
• Work with the Community Development Market manager to participate in CRA events.
• Volunteer to serve on boards or committees of not-for-profit organizations.
• Schedule on-call days with Community Development Market managers twice a year.
• Educate on CRA mortgage products to generate referrals in LMA branches.

Skills

Communication

Sales experience

Relationship building

Technical literacy

Education

BA/BS in mortgage sales

Job description

Overview

CRA Loan Officer at Citizens in Seven Hills, OH. Citizens is an established financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging colleagues to develop and grow their careers, and delivering a fiscally sound and stable work environment while serving 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 operate. We are 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 include realtors, builders, professionals and personal contacts. Loan Officers participate in business development opportunities, community efforts to promote home ownership, and professional organizations. You will interview new and existing customers to determine loan needs and advise on appropriate products, terms, and pricing, while gathering additional required information. You will generate complete mortgage applications, ensuring procedures and policies are followed while meeting sales goals and objectives.

Responsibilities

• Close and fund a minimum of 3 CRA loans per month.
• Maintain 60% of overall business as CRA eligible.
• Create and maintain active involvement in organizations serving the LMI community in your designated market (committee or board member).
• Activate community second programs ensuring necessary documentation is submitted to secondary for approval.
• Conduct 6 homebuyer seminars per year.
• Work closely with the Community Development Market manager in your market to participate in CRA related events (Housing Fairs, etc.). Be the CRA originations leader and serve as the CRA product expert in your market.
• Volunteer to be on a board or committee of a not-for-profit. Participate in mortgage lunch and learns twice a year.
• Schedule on-call days with Community Development Market managers (CDMMs) twice a year.
• Work with Low and Moderate income branches in their MSA to educate on CRA mortgage products to generate referrals.

Qualifications

• BA/BS degree or equivalent experience in residential mortgage sales preferred.
• Three or more years of retail residential mortgage sales experience.
• Documented residential mortgage loan volume in the past 12 months of at least $12 million.
• Established relationships with local referral networks.
• Ability to communicate clearly and effectively, verbally and in writing, across a variety of audiences.
• Strong computer skills and experience with laptop technology.
• Must meet and comply with all requirements of the SAFE Act, including successful completion of background checks and obtaining a Unique Identifier from the NMLS.

Hours and Work Schedule

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

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

Equal Employment Opportunity

Citizens values diversity, equity and inclusion, and treats everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants without regard to age, ancestry, color, citizenship, disability, ethnicity, gender, gender identity or expression, genetic information, marital or domestic partner status, medical condition, military or veteran status, national origin, pregnancy, or any other category protected by law.

Equal Employment Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and its affiliates.

Why Work for Us

Citizens offers a customer-centric culture focused on helping customers and giving back to local communities. Join a supportive and collaborative team with access to training and tools to accelerate potential and maximize career growth.