Mortgage Lending Officer SAFE Act - VENTURA

Citi; Ventura (CA); On-site; USD 60,000 - 175,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k)

Paid time off packages

Job summary

Citi is looking for a Mortgage Lending Officer in Ventura, California, to identify policy, monitor processes, and apply specialty knowledge in home lending. You will originate high-quality residential loans and collaborate with internal partners to support customer needs.

The ideal candidate will have 2-5 years of experience, with strong customer service and mortgage sales skills. This role offers competitive salary and benefits including medical, dental, and retirement plans.

Qualifications

• 2-5 years of relevant experience.
• 3+ years of previous mortgage sales experience.
• Established book of business.

Responsibilities

• Consult with customers about their financial situation.
• Collect and analyze information about customers’ financial situation.
• Make an initial assessment of customers and properties.

Skills

Mortgage sales experience

Customer service skills

Relationship development

Knowledge of consumer lending laws

Financial analysis skills

Education

Bachelor's/University degree or equivalent experience

Job description

The Mortgage Lending Officer role is a developing professional position that identifies policy and applies specialty knowledge in monitoring and assessing processes and data. The role integrates disciplinary knowledge within its specialty area and employs a basic understanding of related industry practices, working closely with the team to accomplish objectives. The impact of this role is primarily within the team, focused on providing high‑quality servicing and supporting the business through the quality of tasks and services delivered.

Overview

Citi Bank Retail Mortgage provides home lending services via Citibank branches and centralized service centers. The Home Lending Officer is responsible for originating high‑quality residential real‑estate loans for clients. The position engages internally with retail branch partners, operations, community business development officers, and externally with clients, real‑estate agents, and referral sources to drive mortgage sales and strengthen client relationships.

Responsibilities

• Consult with customers about their financial situation, personal objectives, and lending needs to help them achieve home‑ownership goals.
• Collect and analyze information about customers’ financial situation, goals, risk tolerance, future plans, income, assets, debts, cash flow, and credit history.
• Make an initial assessment of whether the customer and property qualify for a particular lending solution.
• Recommend lending solutions that best meet customers’ financial and personal objectives.
• Adviseto customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi’s brand and financial services to real‑estate agencies, builders, other referral sources, and customers.
• Visit customers outside of Citi’s offices as needed based on clientele, geography, market conditions, and other factors.
• Collaborate with internal partners to support and grow the customer base.
• Refer customers who require services other than lending solutions to the appropriate Citi professionals.
• Partner with Operations teams to ensure seamless transfer of the loan application, providing documents to Processors and acquiring additional information needed by Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure timely closing of the loan.
• Engage key referral relationships (Realtors, CPAs, Builders, etc.) to grow mortgage business for the bank.
• Introduce clients to segment partners when appropriate (e.g., Bank, Wealth Management, Small Business, Cards).
• Stay abreast of local marketplace trends and regulatory changes, expanding the internal and external network to better serve clients and industry professionals.
• Assess risk appropriately in business decisions, uphold the firm’s reputation, ensure compliance with applicable laws, policies, and regulations, and report control issues with transparency.

Qualifications

• 2‑5 years of relevant experience.
• 3+ years of previous mortgage sales experience.
• Residential Mortgage experience required.
• Established book of business.
• Proven product sales capability.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Capability to communicate required documentation for specific loan programs.
• Knowledge of consumer lending laws and regulations (fair lending, privacy, RESPA).
• Demonstrated customer service skills.
• Strong relationship development and management skills.
• Expertise in general lending products and the mortgage industry.
• Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (Registry) and obtain a unique identifier before engaging in mortgage loan originator activities.

Education

• Bachelor’s/University degree or equivalent experience.

Job Details

• Job Family Group: Consumer Sales
• Job Family: Consumer Product Sales
• Time Type: Full time
• Primary Location: Ventura, California, United States
• Salary Range: $60,000.00 - $175,000.00
• Anticipated Posting Close Date: Jun 17, 2026
• Benefits: Medical, dental & vision coverage; 401(k); life, accident & disability insurance; wellness programs; paid time off packages (vacation, sick leave & holidays). For more details, visit citibenefits.com.

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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