Citi
Global financial services including banking, investment
Mortgage Community Lending Officer - Consumer Sales, Consumer Product Sales
More locations: Washington, DC, USA | Miami, FL, USA | Northbrook, IL, USA | Rockville, MD, USA | West Palm Beach, FL, USA | McLean, VA, USA | Chicago, IL, USA | Fort Lauderdale, FL, USA | Vernon Hills, IL, USA | Highland Park, IL, USA | Gaithersburg, MD, USA | Reston, VA, USA | Centreville, VA, USA | New York, NY, USA | Vienna, VA, USA | Silver Spring, MD, USA | Potomac, MD, USA | Bethesda, MD, USA | Mitchellville, MD, USA
Hybrid role; visits to customers and referral partners outside Citi offices are required.
About the job
- Residential mortgage experience is required.
- At least 3 years of previous mortgage sales experience is required.
- Established relationships with diverse realtor organizations and affordable lending nonprofits in the origination territory are required.
- Experience with community loan products, including specialized low- and moderate-income mortgage solutions, lender-paid assistance programs, and third-party assistance programs is required.
- The ability to comprehend and explain financial calculations and pricing alternatives is required.
- The ability to communicate with customers about the documents and information needed to obtain a particular loan is required.
- Knowledge of consumer-lending laws and regulations, including fair lending, privacy, and the Real Estate Settlement Procedures Act, is required.
- Demonstrated customer service skills are required.
- The ability to work independently and remain self-motivated is required.
- Strong relationship development and management skills are required.
- Expertise in general lending products and the overall mortgage industry is required.
- A bachelor's or university degree, or equivalent experience, is required.
- The employee 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.
- The employee must originate at least 3 loans per month, with at least 50% either Community Reinvestment Act eligible or within minority tracts.
- Consult with customers about their financial situation, financial and personal objectives, lending needs, and homeownership goals.
- Collect and analyze information about customers' financial situations, goals, risk tolerance, future plans, income, assets, debts, cash flow, and credit history.
- Analyze customer and property financial information to make an initial assessment of eligibility for lending solutions.
- Recommend lending solutions that best meet customers' financial and personal objectives.
- Advise customers about the consequences, risks, and benefits of alternative lending solutions.
- Promote Citi and its lending and financial services to real estate agencies, builders, referral sources, and customers.
- Visit customers outside Citi offices based on clientele, geography, market conditions, and other factors.
- Work with internal partners to support and grow customers.
- Refer customers seeking non-lending financial services to the appropriate Citi professionals.
- Partner with Operations teams to transfer loan applications, provide documents to Processors, and obtain information requested by Processors or Underwriters.
- Work with Processors, Closers, and customers to ensure timely loan closings.
- Develop key referral relationships with Realtors, certified public accountants, builders, and other sources to drive mortgage business into the bank.
- Assess risk in business decisions, safeguard the firm's reputation and assets, comply with applicable laws and regulations, apply sound ethical judgment, and escalate, manage, and report control issues transparently.
- Introduce clients to appropriate segment partners, including Bank, Wealth Management, Small Business, and Cards.
- Monitor local-market trends and industry rules and regulations, and expand internal and external networks to serve clients and industry professionals.
- Attend at least 2–3 diverse Realtor or affordable-housing nonprofit events per month.
- An established book of business is strongly recommended.
- Experience with Federal Housing Administration, Veterans Affairs, and conventional loans is preferred.
About the company
Citi provides financial services including consumer banking, credit, investment banking, and wealth management to individuals, corporations, and governments. The company operates by earning interest on loans and collecting fees for managing investments, processing trades, and facilitating cross-border transactions through its digital platforms. Unlike many local banks, Citi maintains a physical and digital presence in over 160 countries, allowing it to serve as a single partner for clients with global financial needs. Its goal is to drive growth and profitability for its clients and shareholders while supporting environmental and social sustainability initiatives.
Company Size
10,001+
Company Stage
IPO
Headquarters
New York City, New York
Founded
1812
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Simplify's Take
What believers are saying
- Q2 2026 revenue rose 14% to $24.8 billion, showing broad business momentum.
- Assets under custody and administration reached $35 trillion, up 22% year over year.
- Citi won $250 million from FundPark, expanding trade-finance and SME financing capacity.
What critics are saying
- Britain fined Citi £4.7 million on September 2, 2026 for Russia sanctions failures.
- Citi cut about 1,000 jobs in January 2026 and plans more March layoffs.
- China brokerage approval in September 2026 still leaves Citi exposed to CSRC rejection and delays.
What makes Citi unique
- Citi's Services franchise hit $6.4 billion in Q2 2026, led by TTS and Securities Services.
- Citi processed live tokenized-dollar transfers with DBS and SWIFT in minutes.
- Citi is launching Custody+ and Japan blockchain payments, extending global transaction-banking reach.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
401(k) Retirement Plan
401(k) Company Match
Wellness Program
Paid Vacation
Paid Sick Leave
Paid Holidays
Company News
Citigroup will launch instant cross-border payment services for Japanese companies using blockchain-based tokenized deposits as early as this year. The US bank claims this will be the first such service offered to Japanese clients by a foreign financial institution. The blockchain-based system will enable companies to make foreign-currency transfers instantly, including during nights and holidays when traditional banking systems are unavailable. The service represents an expansion of Citi's blockchain payment capabilities into the Japanese market, offering businesses greater flexibility in managing international transactions outside standard banking hours.
NEOM has secured approximately $3 billion in export credit agency financing from Italy's SACE under a long-term multicurrency untied facility. The deal, NEOM's first corporate ECA financing and the largest untied financing ever guaranteed by SACE, is backed by nine international banks including HSBC, Bank of America, and J.P. Morgan. The financing will support various projects across NEOM, particularly in infrastructure, urban development, construction, and transport. It will enable NEOM to leverage supplies from Italian businesses, especially SMEs. Italian suppliers and contractors have already supported NEOM projects with contracts worth $6.3 billion. The partnership aims to generate capital investment aligned with Saudi Vision 2030 and diversify the Kingdom's economy through foreign investment.
DBS and Citi completed a live cross-border US dollar payment on a Saturday in minutes using tokenized deposits through SWIFT's blockchain-based Digital Ledger. The transaction between DBS in Singapore and Citi's New York office took place on 5 September, whilst conventional transfers can take up to two business days. SWIFT declared its blockchain ledger ready for initial use in July, with 17 banks across six continents preparing live pilots. Participants include Citi, DBS, HSBC, Standard Chartered, UBS, BNY, Wells Fargo, BNP Paribas, and MUFG. Banks issue tokenised representations of deposits on their own ledgers, whilst SWIFT's shared ledger coordinates payment commitments. Final settlement occurs through existing infrastructure. Citi has already processed live transactions with First Abu Dhabi Bank and OCBC.
Citigroup is expected to receive Chinese regulatory approval for its fully owned mainland brokerage as early as this month, Reuters reported. The US bank applied for the licence in late 2021 as part of efforts to deepen its China operations. The bank plans to expand the unit's workforce to around 100 employees by year-end, roughly double current levels, according to sources. Recruitment will cover senior revenue-generating roles and operational positions through relocations and external hiring. The brokerage will seek permission for A-share trading, underwriting, research and principal trading. It aims to leverage Citi's existing mainland corporate relationships for equity and M&A work, focusing on technology, healthcare, consumer and financial sectors. Citi declined to comment on the application.
Anthropic, the developer behind Claude AI chatbot, has secured a $15 billion credit facility ahead of its initial public offering. Major financial institutions including Morgan Stanley, Goldman Sachs, JPMorgan Chase, and Citigroup are backing the arrangement. The facility significantly exceeds last year's $2.5 billion loan and surpasses the company's roughly $10 billion target. Anthropic now expects over $65 billion in annualised revenue, representing more than a sevenfold increase from its pace at the end of last year. Additional banks including Barclays and Bank of America have joined the arrangement. The timing coincides with renewed activity in the US IPO market, positioning Anthropic for a substantial market debut.