Senior Mortgage Lending Specialist

Sacbar; Citrus Heights, Northern (CA, KY); Hybrid; USD 108,000 - 132,000; Full time

Job summary

Citi in Citrus Heights, CA is hiring a Mortgage Lending Officer to originate high-quality residential real estate loans. The role interfaces with retail branches, operations, and referral partners to drive mortgage sales and client relationships.

The candidate should have 5–8 years of residential mortgage experience, FHA/VA and conventional loan familiarity, and strong ability to explain complex financial calculations. A Bachelor’s degree is required.

Qualifications

• 5–8 years of residential mortgage experience.
• 1+ year sales/credit/finance experience.
• FHA/VA & conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Knowledge of consumer lending laws, including fair lending, privacy, and RESPA.

Responsibilities

• Consult with customers about financial situation and lending needs to help achieve home ownership goals.
• Collect and analyze customer financial information, risk tolerance, income, assets, debts, and credit history.
• Assess whether customer and property may qualify for a lending solution.
• Advertise Citi's lending products and build relationships with real estate agents and referral sources.
• Coordinate with operations teams to ensure smooth loan processing and closing.

Skills

Mortgage experience

Sales experience

Customer service

Relationship management

Financial calculations

Education

Bachelor's degree

Job description

Citi in Citrus Heights, CA is hiring a Mortgage Lending Officer to originate high-quality residential real estate loans. The role interfaces with retail branches, operations, and referral partners to drive mortgage sales and client relationships.

The candidate should have 5–8 years of residential mortgage experience, FHA/VA and conventional loan familiarity, and strong ability to explain complex financial calculations. A Bachelor’s degree is required.