Mortgage Lending Officer SAFE Act - Tustin

The Mortgage Lending Officer role is a developing professional role in Citi’s Retail Mortgage business, responsible for originating high-quality residential real estate loans, engaging clients, real estate agents, and referral partners, and driving mortgage sales and client relationships.

• Consult with customers about their financial situation, personal and lending needs, to help them achieve their home ownership goals.
• Collect and analyze information regarding customers’ finances, goals, risk tolerance, future plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information to assess customer and property qualification for specific lending solutions.
• Make recommendations to customers about the lending solutions that best meet their objectives.
• Advise customers on the consequences, risks, and benefits of alternative solutions.
• Promote Citi’s brand and financial services to real estate agencies, builders, referral sources, and customers.
• Visit customers outside of Citi offices as needed.
• Collaborate with internal partners to support and grow customers.
• Refer customers seeking non‑lending financial services to appropriate Citi professionals.
• Partner with Operations to ensure seamless transfer of loan applications, providing documents to Processors and acquiring additional information needed by Processors or Underwriters.
• Work with Processors/Closers and customers to ensure timely loan closing.
• Develop key referral relationships (Realtors, CPAs, Builders, etc.) to drive mortgage business into the bank.
• Introduce clients to segment partners (Bank, Wealth Management, Small Business, Cards, etc.) when appropriate.
• Stay abreast of market trends, regulatory changes, and expand networks to better serve clients and industry professionals.
• Assess risk in business decisions, uphold compliance, adhere to policies, demonstrate ethical judgment, and report control issues with transparency.

• 2–5 years of relevant experience.
• 3+ years of prior mortgage sales experience (Residential Mortgage).
• Established book of business and proven product sales capability.
• FHA, VA, and conventional loan experience preferred.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate with customers about required documents for a loan.
• Knowledge of consumer lending laws and regulations (fair lending, privacy, RESPA).
• Demonstrated customer service skills.
• Strong relationship development and management skills.
• Expertise in general lending products and the mortgage industry.
• Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ('Registry') and obtain a unique identifier before engaging in loan originator activities.

Bachelor’s or university degree, or equivalent experience.

Fountain Valley, California, United States.

Annual base salary range: $60,000 – $175,000.

Competitive benefits include medical, dental, and vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off (planned vacation, unplanned sick leave, paid holidays); and potential discretionary and retention awards.

Citi is an equal‑opportunity employer. Qualified candidates receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic.