Senior Mortgage Lending Officer

Citi

. Consult with customers about their financial situation, objectives, lending needs, and home ownership goals .

Posted 10/6/2026full-timeUnited StatesSenior💰 $120,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in residential mortgage lending, including risk assessment, compliance with consumer lending laws, and effective communication with clients. Proven ability to develop relationships and drive mortgage business through collaboration with internal teams and external partners.

Highest-signal resume keywords

Residential Mortgage ExperienceFHA/VA & Conventional Loan ExperienceKnowledge of Consumer Lending LawsProven Product Sales CapabilityStrong Relationship Development Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AnalysisRisk AssessmentLoan Closing ProcessFinancial CalculationsMortgage Industry Expertise

Soft Skills

Customer Service SkillsSelf-MotivationIndependent Work AbilityCommunication SkillsRelationship Management

Certifications & Qualifications

Mortgage Loan Originator Registration

Industry Keywords

Consumer LendingRESPAFair LendingFinancial ServicesMortgage Business

About the role

Key responsibilities & impact

Consult with customers about their financial situation, objectives, lending needs, and home ownership goals
Collect and analyze customers' financial information, goals, risk tolerance, income, assets, debts, cash flow, and credit history
Assess whether customers and properties may qualify for lending solutions
Recommend lending solutions and advise customers about their risks and benefits
Promote Citi and its financial services to customers, real estate agencies, builders, and other referral sources
Visit customers outside Citi offices
Collaborate with internal partners to support and grow customers
Refer customers to appropriate Citi professionals for non-lending services
Partner with Operations teams to transfer loan applications and provide required documents and information
Work with Processors, Closers, and customers to ensure timely loan closing
Develop referral relationships with Realtors, CPAs, builders, and other partners to drive mortgage business
Assess risk and ensure compliance with applicable laws, rules, regulations, and policies
Build and maintain relationships with clients, bank teams, wealth advisors, and support teams to drive mortgage lending, deposits, and investments
Introduce Citi Wealth Teams to self-sourced clients and collaborate on strategic client acquisition plans
Monitor local marketplace trends and industry regulations, expand professional networks, and represent Citi at industry events

Requirements

What you’ll need

5-8 years of experience
Residential Mortgage experience required
1+ year previous sales, credit and/or finance experience required
Proven product sales capability required
FHA/VA & conventional loan experience preferred
Ability to comprehend and explain financial calculations and pricing alternatives
Ability to communicate with customers about the documents and information needed to obtain a particular loan
Knowledge of consumer lending laws and regulations, including fair lending, privacy, and RESPA
Demonstrated customer service skills
Self-motivated and able to work independently
Strong 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
Bachelor's/University degree or equivalent experience

Benefits

Comp & perks

Discretionary and formulaic incentive and retention awards
Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off, including vacation, sick leave, and paid holidays