CRA Loan Officer

CRA Loan Officer

Citizens, an established financial services company operating in 12 states and globally, seeks a dedicated CRA Loan Officer to build and maintain a CRA‑eligible business base and generate new mortgage lending opportunities.

• Maintain 55% of overall business as CRA eligible and generate 8 preapprovals/prequals per month.
• Conduct 12 homebuyer seminars per year in designated MSAs and report on referrals; the PSM should attend 6 seminars a year with CRA LO.
• Conduct and participate in mortgage lunch and learn sessions: 1 per month.
• Work with Low and Moderate Income (LMI) branches in your MSA to educate on CRA mortgage products to generate referrals (if assigned to branches).
• Collaborate closely with the Community Development Market Manager to participate in CRA events such as Housing Fairs.
• Volunteer to serve on a board or committee of a not‑for‑profit organization.
• Schedule on‑call days with Community Development Market Managers: 1 per quarter.

• BA/BS degree or equivalent experience in residential mortgage sales preferred.
• Three or more years of retail residential mortgage sales experience.
• Documented residential mortgage loan volume of $12 million (minimum) in the past 12 months.
• Established relationships with local referral networks.
• Strong communication skills – clear, effective verbal and written communication across a variety of audiences.
• Advanced computer skills and experience using laptop technology.
• Compliance with all SAFE Act requirements, including successful pre‑employment screening checks and obtaining a unique identifier from the NMLS.

Hours per week: 40.

Work schedule:

Monday through Friday.

Commission‑based compensation with a potential earnings range of $100,000‑$250,000 per year based on performance, plus a base salary ranging from $45,000 to $55,000. Citizens provides competitive medical, dental, vision, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs, and more.

Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or record of a disability, ethnicity, gender identity or expression, genetic information, marital or domestic partner status, victim of domestic violence, military or veteran status, national origin, pregnancy/childbirth/lactation, reproductive health decisions, race, religion, sex, sexual orientation, or any other category protected by federal, state or local laws.

We are committed to fostering an inclusive culture and base employment decisions on merit, qualifications, performance, and capability.

Citizens offers a customer‑centric culture focused on helping customers and giving back to local communities. You will join a supportive, collaborative workforce with access to training and tools to accelerate your professional growth.

Posting End Date: 01/31/2026