Mortgage Loan Officer

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions are central to helping clients navigate changing circumstances. In this role, you’ll deepen relationships with your clients by collaborating with peers across banking, lending, and investing, helping them with short‑and long‑term financial goals. Citizens is an established and successful financial services company with a branch presence in 12 states and the capacity to conduct business globally.

We are committed to offering comprehensive and competitive benefits, encouraging career growth, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens is honored to be a top lender in the mortgage sector and is passionate about growing our market share in the states we currently operate. We are currently hiring dedicated Mortgage Loan Officers who proactively identify, build, and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, and professional and personal contacts.

Loan Officers are encouraged to participate in business‑related development opportunities, community efforts to promote home ownership, and professional organizations. You will be responsible for interviewing new and existing customers to determine their loan needs, advising them of appropriate products, terms, and pricing, and gathering any additional required information. You will generate complete mortgage applications, ensuring appropriate procedures and policies are followed while meeting sales goals and objectives.

• Go above and beyond for customers – Aspire to deliver outstanding customer service.
• Drive sales through service – Achieve sales and referral goals by developing a positive customer experience.
• Build book of business – Proactively seek ways to develop and expand customer relationships to contribute towards branch success.
• Maximize personal productivity – Improve personal efficiency through attention to detail, self‑motivation, and adaptability to achieve branch and personal goals.
• Grow your own capabilities – Actively participate in opportunities to expand knowledge, influencing and interpersonal skills.

• BA/BS degree preferred or equivalent experience in residential mortgage sales.
• Two or more years of retail residential mortgage sales experience.
• Documented residential mortgage loan volume in the past 12 months of at least $8 million.
• Established relationships with local referral networks.
• Ability to communicate clearly and effectively, both verbally and in writing, across a broad range of audiences.
• Strong computer skills and experience using laptop technology.
• Successful candidate must meet and follow all requirements set forth in the SAFE Act, including successful completion of the required background checks and obtaining a unique identifier from the NMLS.

Commission-based. Individuals in this role have historically earned between $ and $ per year, based on performance and productivity against commission plan parameters.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs, and more. Citizens’ paid time off policy exceeds the mandatory paid sick or paid time‑away policy of many local and state jurisdictions in the United States. For an overview of our benefits, visit

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 history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic…