Mortgage Lending Officer SAFE Act - SAN FRANCISCO

Citi; New York (NY); On-site; USD 60,000 - 175,000; Full time

Benefits offered by this job

Medical, dental, and vision coverage

401(k)

Paid time off packages

Wellness programs

Job summary

Citi is hiring a Mortgage Lending Officer in New York City to assist customers in achieving home ownership goals. This role requires engaging with clients and analyzing financial situations to determine lending solutions. Candidates should have prior mortgage sales experience and strong relationship management skills.

Competitive benefits and compensation ranging from $60K to $175K are offered. Additionally, Citi promotes a diverse workplace and provides opportunities for all qualified candidates.

Qualifications

• 2-5 years relevant experience.
• 3+ years previous mortgage sales experience required.
• Established book of business.
• Proven product sales capability required.
• Ability to communicate with customers about the proper documents needed.

Responsibilities

• Consult with customers about their financial situation and lending needs.
• Collect and analyze information about the customer's finances.
• Make recommendations about lending solutions.
• Promote Citi's brand and serve as a point of contact for clients.
• Work as a team with internal partners to support customers.

Skills

Mortgage sales experience

Customer service skills

Relationship development

Financial calculations comprehension

Education

Bachelor’s/University degree or equivalent experience

Job description

Mortgage Lending Officer SAFE Act - SAN FRANCISCO

Job Req Id: 26960280

Location: San Francisco, California, United States

Job Type: On-Site/Resident

Posted: May 12, 2026

Job Overview

The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information concisely and logically as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.

Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers.

Responsibilities

• Consult with customers about their financial situation, financial and personal objectives and lending needs to help 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 serve as a point of contact for lending and other financial solutions, including promotion to real estate agencies, builders, other referral sources, and customers.
• Visit customers outside of Citi's offices, with visits varying 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 seamless transfer of the loan application to Processors and to acquire any additional information needed by Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure timely closing of the customer's loan.
• Go outside to key referral relationships (Realtors, CPAs, Builders, etc.) to drive mortgage business into the bank.
• Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards).
• Keep abreast of trends and developments in the 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.
• 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.
• 3+ years previous mortgage sales experience required.
• Residential Mortgage experience required.
• Established book of business.
• Proven product sales capability required.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• 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.
• Strong relationship development and management skills.
• Expertise of general lending products and overall mortgage industry.
• Employee must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities.

Education

• Bachelor’s/University degree or equivalent experience.

Compensation and Benefits

Primary Location Full Time Salary Range: $60,000.00 - $175,000.00. In addition to salary, Citi offers discretionary and formulaic incentive and retention awards. Competitive employee benefits including medical, dental, vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off packages; paid holidays. For additional information regarding Citi employee benefits, visit citibenefits.com. Offerings may vary by jurisdiction, job level, and date of hire.

Anticipated Posting Close Date

May 19, 2026

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.