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, and vision coverage

401(k) retirement plan

Paid time off: vacation, sick leave, and holidays

Job summary

Citi is seeking a Mortgage Lending Officer for its Ventura, California location. This role involves originating high-quality residential real estate loans and requires strong mortgage sales experience. The officer will consult with clients, analyze financial data, and maintain key relationships in the mortgage market.

The ideal candidate will have a bachelor's degree, relevant experience, and solid knowledge of consumer lending laws. The position offers a competitive salary ranging from $60,000 to $175,000 per year and includes various benefits.

Qualifications

• 2–5 years of relevant experience, preferably in mortgage sales.
• Strong understanding of financial calculations and documentation.
• Familiarity with consumer lending laws including fair lending and RESPA.

Responsibilities

• Consult with customers regarding their mortgage needs.
• Analyze financial data for mortgage eligibility.
• Promote Citi’s brand and services to clients and partners.
• Maintain knowledge of local market trends and regulatory changes.

Skills

Mortgage sales experience

Customer service

Financial analysis

Understanding of lending laws

Education

Bachelor’s degree or equivalent experience

Job description

Job Overview

The Mortgage Lending Officer role is a developing professional position that foregrounds the originating of high‑quality residential real‑estate loans. The incumbent works closely with retail branch partners, operational teams, and external referral partners to drive mortgage sales and build client relationships.

Responsibilities

• Consult with customers regarding their financial situation, personal objectives, and lending needs to support home‑ownership goals.
• Collect and analyze comprehensive financial data, including income, assets, debts, cash flow, and credit history.
• Assess customer and property eligibility for appropriate lending solutions and provide initial qualification guidance.
• Recommend lending options that align with customer goals and explain risks, benefits, and consequences.
• Promote Citi’s brand and financial services to clients, real estate agencies, builders, and other referral sources.
• Conduct field visits to clients outside Citi’s offices as required by market conditions and client preferences.
• Collaborate with internal partners to support customer growth and cross‑sell supplementary Citi products.
• Refer clients needing non‑lending financial services to suitable Citi professionals.
• Coordinate with Operations to ensure seamless loan application transfers and timely documentation for Processors and Underwriters.
• Work with Processors and Closers to guarantee prompt loan closings.
• Engage with key referral relationships, including Realtors, CPAs, and builders, to expand mortgage business.
• Maintain an up‑to‑date knowledge of local market trends, regulatory changes, and internal/external networks to better serve clients.
• Apply sound ethical judgment, follow policy, and manage compliant risk decisions, safeguarding Citi’s reputation and assets.

Qualifications

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

Education

• Bachelor’s degree or equivalent experience.

Location & Compensation

Primary Location: Ventura, California, United States
Full‑time position
Salary Range: $60,000.00 – $175,000.00 per year
Potential incentives include discretionary and formulaic bonus and retention awards.

Benefits

• Medical, dental, and vision coverage
• 401(k) retirement plan
• Life, accident, and disability insurance• Wellness programs• Paid time off: vacation, sick leave, and paid holidays

EEO & Accessibility

Citi is an equal‑opportunity employer and will consider qualified candidates regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic. If you are a person with a disability and require reasonable accommodation, please contact the recruiter. For more information, view Citi’s EEO Policy Statement and the Know Your Rights poster.