Community Mortgage Lending Officer; SAFE Act - CHICAGO

Overview

The Community Mortgage Lending Officer is responsible for driving mortgage sales and client relationships through engagement with community clients, diverse real estate agents, and affordable housing non‑profit partners in coordination with the Consumer Product Sales team. The role is directly responsible for the sale of a specific product or product set directly to clients.

• Consult with customers about their financial situation, personal objectives and lending needs to help them achieve their home ownership goals.
• Collect and analyze information about the customer's financial situation, personal goals, tolerance for risk, future plans, income, assets, debts, cash flow, and credit history.
• Analyze financial information to assess whether the customer and the property may qualify for a particular lending solution.
• Make recommendations to customers about which lending solutions would best meet their financial and personal objectives.
• Advise customers about the consequences, risks and benefits of alternative lending solutions.
• Promote Citi’s brand and position Citi as the provider for lending and other financial solutions, including to real estate agencies, builders and referral sources.
• Visit customers outside of Citi’s offices, with visits varying by clientele and market conditions.
• Collaborate with internal partners to support and grow customers.
• Refer customers seeking services beyond lending to the appropriate Citi professionals.
• Partner with Operations teams to ensure seamless transfer of the loan application to Processors and Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the loan.
• Engage key referral relationships (Realtors, CPAs, Builders, etc.) to drive mortgage business into the bank.
• Assess risk in business decisions, ensuring compliance with laws, policies, and ethical standards, and escalating control issues transparently.
• Introduce clients to partner segments (e.g., Bank, Wealth Management, Small Business, Cards) when appropriate.
• Stay abreast of market trends, regulatory changes and expand internal and external networks to better serve clients and industry professionals.
• Attend a minimum of 2–3 diverse Realtor and/or affordable housing nonprofit events per month.

• 2–5 years of relevant experience.
• Residential mortgage experience required.
• 3+ years of mortgage sales experience required.
• Established relationships with diverse realtor organizations and affordable lending nonprofits in originating territory.
• Experience with community loan products, including LMI mortgage solutions, lender paid assistance and third‑party assistance programs.
• Established book of business.
• Experience with FHA/VA and conventional loans (preferred).
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to communicate necessary documents and information to obtain a particular loan.
• Knowledge of consumer lending laws, 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 mortgage industry.
• Must register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier before engaging in mortgage loan originator activities.
• Originate a minimum of 3 loans per month with at least 50% CRA‑eligible or within minority tracts.

• Bachelor’s or university degree, or equivalent experience.
• Must register as a mortgage loan originator with NMLS and provide a unique identifier to consumers. Maintain and renew that registration annually and comply with SAFE Act regulations.

In addition to salary, Citi offers competitive benefits including medical, dental, vision, 401(k), life, accident and disability insurance, wellness programs, paid time off (vacation, sick leave, holidays) and discretionary and retention awards where eligible. For more information, visit

Citi is an equal‑opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran or any other characteristic protected by law.
If you are a person with a disability and need reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility w Citi’s EEO Policy Statement and the Know Your Rights poster.

Jan 29, 2026