Senior Mortgage Lending Officer - CITRUS HEIGHTS

Citi; Citrus Heights (CA); On-site; USD 108,000 - 132,000; Full time

Benefits offered by this job

Medical benefits

401(k)

Paid time off

Wellness programs

Job summary

Citi is seeking a Mortgage Loan Originator in Citrus Heights, CA. You will consult with clients to assess their financial situation and ownership goals, analyze credit and income details, and recommend lending solutions to meet objectives.

The role involves promoting Citi's lending services, engaging with real estate professionals, and coordinating with processors to close loans efficiently. A Bachelor’s degree or equivalent and mortgage experience are required.

Qualifications

• Bachelor's or equivalent experience required.
• Experience in residential mortgage sales preferred.
• Ability to analyze financial information for loan qualification.
• Strong customer service and relationship-building skills.
• Knowledge of mortgage regulations (RESPA, fair lending).

Responsibilities

• Consult with customers about financial situations and lending needs for home ownership goals.
• Collect and analyze information on finances, goals, risk tolerance, income, assets, debts, and credit history.
• Assess loan eligibility and suggest suitable lending solutions.
• Promote Citi's lending services to clients and referral sources.
• Coordinate with operations to ensure smooth loan processing and closing.

Skills

Residential Mortgage

Sales experience

Credit analysis

Customer service

Regulatory knowledge

Education

Bachelor's degree or equivalent experience

Job description

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.
• Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers.
• Visit customers outside of Citi's offices, with such visits to vary 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 the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
• Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank.
• 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.
• Build and maintain relationship with clients, Bank Teams, Wealth Advisors and support teams to drive new business and retention of mortgage lending and bank deposits and investments
• Introduce Citi Wealth Teams (bankers, wealth advisors, small business) to self-sourced clients and work together to expand / deepen relationships, and work together on strategic plans to acquire new clients
• Keep abreast of trends and developments in 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 and represent Citi at industry events as a subject matter expert.
• >$50M or 150 units of annual production (not to be published publicly)

Qualifications:

• 5-8 years of experience
• Residential Mortgage experience required
• 1+ year previous sales, credit and/or finance experience required
• Proven product sales capability is required
• FHA/VA & conventional loan experience is preferred
• The ability to comprehend and explain financial calculations and pricing alternatives.
• The 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
• Self-motivated and able to work independently
• Strong relationship development and management skills
• Expertise of general lending products and overall mortgage industry.
• This position requires the employee to 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

Job Family Group:

Consumer Sales

Job Family:

Consumer Product Sales

Time Type:

Full time

Primary Location:

Citrus Heights California United States

Primary Location Full Time Salary Range:

$120,000.00 - $120,000.00

Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs.

Citi offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Anticipated Posting Close Date:

Sep 22, 2026

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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.

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.