Senior Mortgage Lending Officer

Citi; New York (NY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

The Senior Mortgage Lending Officer role at Citi is a developing professional position focused on evaluating customer needs and delivering responsible lending solutions. You will work with clients to assess financial situations and identify suitable home financing options, collaborating with branch teams to support a high standard of service.

This hybrid role emphasizes clear communication, thorough analysis, and building trusted relationships with referral partners and clients to drive quality

Responsibilities

• Consult with customers about financial situation, objectives, and lending needs to help them achieve home ownership goals.
• Collect and analyze information about customers' finances, goals, risk tolerance, income, assets, debts, cash flow, and credit history.
• Analyze financial information to assess if a customer and property qualify for a lending solution.
• Make recommendations on lending solutions that best meet objectives.
• Advise customers about the consequences, risks, and benefits of different lending options.

Job description

Senior Mortgage Lending Officer

Job Req Id:

26987382

Location(s):

Oakland, California, United States

Job Type:

Hybrid

Posted:

Aug. 14, 2026

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Senior 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 in a concise and logical way 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, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.

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 for the purpose of helping 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.
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