Home Loan AdvisorsNewMortgage Loan Officer Loan Partner Home Loan AdvisorsMortgage Loan Officer Loan PartnerHouston, TX$60,000–$90,000 / yearThe Loan Partner role is responsible for accurately prequalifying home loan applications, issuing and managing quality pre-approval letters, and overseeing the success of every loan in the committed pipeline. The LP will work cohesively with the Loan Officer, borrowers, loan processors, underwriters, and third parties to close 95%+ of all loans on time while providing an outstanding experience from application to close.
LENDIRECT MORTGAGE INCNewMortgage Loan Partner 2 LENDIRECT MORTGAGE INCMortgage Loan Partner 2Houston, TX$65,000–$75,000 / yearYou’ll be responsible for focusing on clients who are applying for a loan, reviewing income, credit, and documentation, structuring loans, converting and retaining clients, and creating the level of trust and consistency that allows the Loan Officer to focus on growing the business. You can confidently prequalify borrowers, structure loans with care and precision, and help clients get mortgage-ready, all while enjoying the stability of a salaried position without all the pressure of generating your own career.
First Horizon BankNewSBA Closing Manager First Horizon BankSBA Closing ManagerHouston, TXHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. This associate works closely with our clients, loan officers, legal teams, and vendors to facilitate timely and accurate loan closings that meet all program and regulatory requirements.
Investar Bank National AsNewCommercial Credit Analyst II Investar Bank National AsCommercial Credit Analyst IIHouston, TXReviews leases, rent rolls and operating statements for multi-family and commercial investment properties; compares property and occupancy and net operating income to comparable properties in the marketplace; and develops pro-forma cash flow statements. Reviews title reports, appraisals, environmental site assessments, physical condition reports and other third party reports related to commercial properties offered as collateral in connection with loan requests.
FocusOneMortgage Loan Officer (NMLS Licensed) - Inhouse FocusOneMortgage Loan Officer (NMLS Licensed) - InhouseHouston, TXFull timeIf you are a self-starting Licensed Loan Officer who enjoys helping customers with the purchase of their first home, upgrading their current home, or finding their forever home, we would enjoy having you apply for our team. The Loan Officer interviews prospective borrowers to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information.
Regions Financial CorpMortgage Loan Officer - Texas Regions Financial CorpMortgage Loan Officer - TexasHouston, TXThe information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Establishes detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact.
The PNC Financial Services Group IncMortgage Loan Officer The PNC Financial Services Group IncMortgage Loan OfficerPearland, TXIn addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
Michigan Mutual, Inc.Loan Officer Michigan Mutual, Inc.Loan OfficerSpring, TexasGenerates mortgage submissions that are offered by the Company (e.g., Federal Housing Administration (FHA)/Conventional/United States Department of Agriculture(USDA)/Rural Development (RD), Jumbo, etc.) by working with customers and matching the appropriate product with their needs. The Mortgage Loan Originator develops new business to support the Company’s sales objectives by making independent sales calls on existing and/or potential customers from referral sources, and by the retention of current relationships.
Satori MortgageMortgage Loan Officer Elite Live Transfer Division Satori MortgageMortgage Loan Officer Elite Live Transfer DivisionLeague City, TXRemoteBuild Realtor Relationships – Every purchase deal is an opportunity to connect with realtors on the transaction, turning one closed loan into a potential ongoing partnership. You’ll be joining a team that doesn’t just sit back; we’re right there with you, providing leads and the support you need to take each call across the finish line.
FocusOneBilingual Loan Officer Assistant - Inhouse FocusOneBilingual Loan Officer Assistant - InhouseHouston, TXFull timeSeeking a Loan Officer Assistant to support the mortgage department by assisting Loan Officers and Loan Processors with daily operations. Qualifications:Minimum 2 years of mortgage lending experience preferred (loan set-up, junior processing, escrow/title experience also considered).
Satori MortgageMortgage Loan Officer Satori MortgageMortgage Loan OfficerLeague City, TXRemoteWe're on the hunt for charismatic, outgoing hustlers with massive spheres of influence who are natural-born relationship builders and lead-generating machines. With over 20 years in the game, Satori Mortgage has funded tens of thousands of loans and created a legion of happy homeowners.
Paramount Residential Mortgage GroupLoan Officer Paramount Residential Mortgage GroupLoan OfficerHouston, TexasMust devote substantially more than 50 percent of working hours outside of any Company office, home office, and any other fixed site, meeting with customers and potential customers seeking residential mortgage financing. Communication: Communicates well verbally and in writing with co-workers and customers acting as liaison between customer and Company’s internal departments to ensure cohesive business flow.
LeadlingNewEntry Level | Mortgage Loan Officer | National Lender - TX LeadlingEntry Level | Mortgage Loan Officer | National Lender - TXHouston, TXRemote$75,000–$200,000Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. Most Loan Officers never see the true value of the loans they close.
Orchard Technologies, Inc.Mortgage Loan Officer Orchard Technologies, Inc.Mortgage Loan Officerhouston, TXRemoteDeep knowledge of guidelines pertaining to Fannie Mae, Freddie Mac, FHA, VA with the ability to provide high quality pre-approvals/pre-qualifications (bonus if you also are familiar with common non-QM programs and reno/construction loans). Orchard has reimagined the end-to-end experience of buying and selling, from innovative home search tools to find the perfect home to the ability to buy a new home before selling your current one.
Guild Mortgage CompanyLoan Officer Guild Mortgage CompanyLoan Officerhouston, TXRegularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
MRINetwork JobsCommercial Real Estate Loan Officer MRINetwork JobsCommercial Real Estate Loan OfficerHouston, TexasWill provide service to prospective commercial loan customers and interview applicants to develop information concerning their needs, credit, stability, earnings, and potential income to the property to assist in determining whether the commercial loan package will be an acceptable risk. RESPONSIBILITIES : Will solicit and coordinate the closing of commercial loans; responsible for commercial loan business development and to act as the bank’s contact with commercial loan clients, brokers, and contractors.
LeadlingSr. Loan Officer/Team Leader - Texas LeadlingSr. Loan Officer/Team Leader - TexasHouston, TX$100,000–$300,000Building and managing realtor referral partnerships using the Leadling CRM, including lead pipeline management, automated follow-up, co-marketing, and landing page/funnel creation. As part of our dynamic mortgage lending division, you will benefit from robust operational support and access to the Leadling CRM and business development system, empowering you to grow realtor referrals and scale your team.
MRINetwork JobsMiddle Market Commercial Loan Officer MRINetwork JobsMiddle Market Commercial Loan OfficerHouston, TexasActively seeking an experienced commercial lender to join a team of successful professionals who will collectively develop creative financing solutions to resolve complex and often unique issues for local businesses with revenues $20-500MM. Provide secured financing solutions in support of working capital growth, acquisitions and debt restructuring for your new and existing clients with the goal of generating income and enhancing the Bank's overall profitability.
Hilltop Holdings IncReal Estate Associate Loan Originator, NE - Houston Central Hilltop Holdings IncReal Estate Associate Loan Originator, NE - Houston CentralHouston, TXUnder the direction of the Lead/Primary Loan Originator, performs part-time office or non-manual work directly related to the management or general business operations of PrimeLending and its customers and markets, and promotes PrimeLending products and services to the team's client base of realtors, builders, bank officers, and potential and past clients. Establishes and maintains relationships with realtors, bank officers, builders, and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required if partnering with lead/primary loan originator.
Hilltop Holdings IncAssociate Loan Originator, NE Hilltop Holdings IncAssociate Loan Originator, NEhouston, TXUnder the direction of the Lead/Primary Loan Originator, performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers and markets and promotes PrimeLending products and services to the team's client base of realtors, builders, bank officers and potential and past clients. Acts as a liaison between the Lead/Primary and/or other team members, in-process customers and branch operations staff.
Guranteed Rate IncNewMortgage Loan Originator Guranteed Rate IncMortgage Loan OriginatorHouston, TXTeamMortgageMack offers the opportunity to not only establish yourself in the mortgage industry but also to step into a long-term leadership role-potentially taking over the well-established #MortgageMack brand in the future. With a steady stream of leads from multiple sources, including an 8,000-person database and almost daily inbound leads, this role is designed to help you hit the ground running and develop a strong book of business.
JPMorgan Chase & CoCredit Officer, Vice President - Community Development Real Estate JPMorgan Chase & CoCredit Officer, Vice President - Community Development Real EstateHouston, TXAs an Affordable Housing Credit Officer in the Community Development Real Estate team, you will lead the full credit lifecycle for construction and permanent loans supporting affordable multifamily developments. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the worlds most prominent corporate, institutional and government clients under the J.P.
PINNACLE TITLE COMPANYNewSr. Escrow Officer PINNACLE TITLE COMPANYSr. Escrow OfficerHouston, TXWhat You'll Do Manage and close a pipeline of residential and commercial title transactions from open to funding Interpret and execute buyer, seller, and lender instructions with precision Order and review title commitments, clear title issues, and prepare title and escrow documents Coordinate and conduct seamless closings, including final disbursements and recordings Provide a top-tier experience for clients, agents, lenders, and partners — this role is both operations and sales Act as a trusted resource to Realtors and loan officers, supporting their growth and success Attend and engage in in-house agent events, trainings, and outreach to drive business Build and grow a loyal network of real estate professionals through proactive outreach and responsiveness Maintain compliance with all federal, state, and company regulationsWho You Are A proven closer: 5 + years of escrow/title experience , with a strong grasp of the full closing process Licensed Escrow Officer in TX A relationship-builder with natural leadership skills — you inspire others to follow your lead An operational expert who can juggle files, people, and problems without missing a beat. You're not afraid and in fact, you are excited to pick up the phone and dial our list of realtors and let them know that you are the expert that can take their clients home A go-getter who thrives in a fast-paced environment and wants to grow with a company that rewards performance, not seniority Comfortable speaking to Realtors and lenders and positioning yourself as their go-to resource.
Anywhere Real Estate IncEscrow Officer Representative - The Woodlands, TX Anywhere Real Estate IncEscrow Officer Representative - The Woodlands, TXThe Woodlands, TXBetter Homes and Gardens Real Estate, Century 21, Coldwell Banker, Coldwell Banker Commercial, Corcoran, ERA, and Sothebys International Realty, we fulfill our purpose to empower everyones next move through our leading integrated services, which include franchise, brokerage, relocation, and title and settlement businesses, as well as mortgage and title insurance underwriter minority owned joint ventures. We are proud of our award-winning culture and are consistently recognized as an employer of choice by various organizations including: Great Place to Work Forbes Worlds Best Employers Newsweek Worlds Most Trustworthy Companies Ethisphere Worlds Most Ethical Companies.
Anywhere Real Estate IncEscrow Officer Representative - Spring, TX Anywhere Real Estate IncEscrow Officer Representative - Spring, TXSpring, TXBetter Homes and Gardens® Real Estate, Century 21®, Coldwell Banker®, Coldwell Banker Commercial®, Corcoran®, ERA®, and Sothebys International Realty®, we fulfill our purpose to empower everyones next move through our leading integrated services, which include franchise, brokerage, relocation, and title and settlement businesses, as well as mortgage and title insurance underwriter minority owned joint ventures. We are proud of our award-winning culture and are consistently recognized as an employer of choice by various organizations including: Great Place to Work Forbes Worlds Best Employers Newsweek Worlds Most Trustworthy Companies Ethisphere Worlds Most Ethical Companies.
JPMorgan Chase Bank, N.A.Credit Officer, Vice President - Community Development Real Estate JPMorgan Chase Bank, N.A.Credit Officer, Vice President - Community Development Real EstateHouston, TXFull timeAs an Affordable Housing Credit Officer in the Community Development Real Estate team, you will lead the full credit lifecycle for construction and permanent loans supporting affordable multifamily developments. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
FiStaffSBA Commercial Lending Officer FiStaffSBA Commercial Lending OfficerHouston, TXSBACommercialLendingOfficerjobs #SBACommercialLendingOfficerjobshiringnow #TexasBankingjobs #CommercialLendingCareers #hiringtoday #Fistaffcareers #gethiredfast #NowHiring #ApplyToday #CareerOpportunity #JobsinTexas. The SBA Commercial Lending Officer helps drive job creation, strengthen local economies, and empower business owners through personalized lending solutions and community-focused banking services.
Burnett SpecialistsSBA Commercial Lending Officer Burnett SpecialistsSBA Commercial Lending OfficerHouston, TXJoin a mission-driven organization making a real impact in underserved communities, we are seeking an experienced SBA Commercial Lending Officer. ? Analyze financials, structure loan packages, and guide deals from application to closing.
Bank of HopePremier Banking Officer Bank of HopePremier Banking Officerhouston, TXContinuously learns to expand one's knowledge of features and benefits of deposit, loan, TMS, and Digital Banking products and services; to become a trusted advisor and subject matter expert whom customers can depend on. Conduct outbound sales activities (e.g., phone outreach, community events, meeting with local businesses) to establish visibility in the community, develop a networking presence, and generate more branch business.
WorkwayNewLicensed Escrow Officer WorkwayLicensed Escrow OfficerHouston, TXEscrowOfficer #HoustonTX #WorkwayCompany Description Workway BancForce is a premier national staffing firm that places qualified job-seeking candidates across the nation in direct hire, temp-to-hire, and temporary positions across a variety of specialized fields. Your specific duties will include:Handle all aspects of settlement transactions, including the preparation and approval of Settlement Statements; preparation and coordination of deeds; and verification of the accuracy of loan documents, insurance documentation, seller statements, and contracts or sales agreements.
Truist Financial CorpRetail Mortgage Loan Originator Truist Financial CorpRetail Mortgage Loan OriginatorHouston, TXPlease review the following job description: Responsible for the sales and marketing of Truist Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services, and insurance products. All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
HCA HealthcareChief Medical Officer HCA HealthcareChief Medical OfficerHouston, TXEstablishes and maintains an ongoing program to orient and develop management expertise for Hospital Chiefs of Staff, Medical Executive Committees, and other medical staff leaders by providing oversight and leadership for all medical education programs. Additional options for dental and vision benefits, life and disability coverage, flexible spending accounts, supplemental health protection plans (accident, critical illness, hospital indemnity), auto and home insurance, identity theft protection, legal counseling, long-term care coverage, moving assistance, pet insurance and more.
Enterprise Bank & Trust (Saint Louis)SVP, SBA Business Development Officer Enterprise Bank & Trust (Saint Louis)SVP, SBA Business Development OfficerHouston, TXDemonstrate a satisfactory understanding of your duties and responsibilities as it relates to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live.
HCA HealthcareChief Financial Officer HCA HealthcareChief Financial OfficerHouston, TXAdditional options for dental and vision benefits, life and disability coverage, flexible spending accounts, supplemental health protection plans (accident, critical illness, hospital indemnity), auto and home insurance, identity theft protection, legal counseling, long-term care coverage, moving assistance, pet insurance and more. Like our colleagues in any HCA Healthcare hospital, our corporate campus employees enjoy unparalleled resources and opportunities to reach their potential as healthcare leaders and innovators.
B2BcfoFractional CFO B2BcfoFractional CFOHouston, TexasExperienced CFO (or equivalent) with success in improving cash flow, obtaining bank loans, helping companies grow profitably, increasing company value, strategic planning and (with proper training) preparing a business to sell. B2B CFO offers a dynamic platform for seasoned financial professionals like you to excel in strategic business advisory and sell/buy services for privately held companies.
First American Financial CorpEscrow Officer First American Financial CorpEscrow Officerkaty, TXWhat We DoResponsible for handling real estate transactions by establishing new escrow accounts, managing funds, processing documents for closings, and completing settlements in accordance with established policies and procedures. Completes closing transaction documents by assembling documents; reviewing papers with parties; explaining provisions and procedures; answering questions; checking documents for completeness and accuracy; obtaining signatures.
Orchard Technologies, Inc.Escrow Officer w/ Book Orchard Technologies, Inc.Escrow Officer w/ BookHouston, TXWhat Youll Do Here: Actively seek new business by attending sales meetings, real estate events, escrow, and management meetings and interact with lending and banking to increase capture rate. About the Role Orchard Title is looking for a dynamic Escrow Officer who has a current book of business, to manage the closing process and provide an exceptional experience for customers for both their own deals and Orchard Brokerage closings.
JPMorgan Chase Bank, N.A.Business Relationship Manager I - Officer JPMorgan Chase Bank, N.A.Business Relationship Manager I - OfficerSugar Land, TXFull timeIdentify the personal financial goals and needs of business clients; build collaborative relationships with partners across lines of business (Chase Wealth Management, Home Lending, Branch Teams) to connect clients with specialists who can help meet their financial needs. Acquire, manage, and retain a portfolio of 100 - 130 business clients with annual revenue of $1 - $5 million for your assigned branches; provide business deposit and cash management solutions and manage business credit opportunities up to approximately $500,000.
Hilltop Holdings IncRegional Credit Officer Hilltop Holdings IncRegional Credit OfficerHouston, TXPlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio.
Clayton ServicesCFO Clayton ServicesCFOPasadena, TX$200,000–$250,000 / yearThe CFO is a key executive team member, responsible for leading the finance organization to support scalable growth, operational efficiency, and strategic initiatives, including organic expansion and M&A. This role partners closely with the CEO and senior leaders to drive profitability, cash flow, and value creation while serving as a financial advisor and operational strategist.
Executive Title AgencyEscrow Officer Executive Title AgencyEscrow OfficerHouston, TXOrder title searches, title updates, HOA estoppels, municipal lien searches, CDD payoffs, contractor’s affidavits, certificates of occupancies, final termite guarantees and final surveys with certifications. Prepare and finalize lender and buyer title documents; securely upload completed packages to the mobile notary portal to facilitate seamless remote closings.
Mutual of Omaha MortgageNewReverse Mortgage Originator Development Program Mutual of Omaha MortgageReverse Mortgage Originator Development ProgramHouston, TXFull timeState/local minimum wage base hourly non-recoverable draw plus commission for the first 12 months while we help you grow your business. You can expect the following: Our leading-edge compensation package sees our Loan Officers on average, earning $150,000 annually with the potential for more .
The Symicor GroupSVP Mortgage Lending - To 170K - Houston, TX - Job 3748 The Symicor GroupSVP Mortgage Lending - To 170K - Houston, TX - Job 3748Houston, TX$170,000–$170,000Developing and executing plans for process improvement efforts, developing and managing budgets and tactics, and managing forecasting sand taffing needs to support steady growth and loan volume. Developing and executing strategies to help the organization to become a great mortgage lender, including improving service levels, increasing revenue and productivity, and solution development.
Guild Mortgage CompanyProduction Manager II Guild Mortgage CompanyProduction Manager IIHouston, TX$70,000–$98,000 / yearThe role is primarily responsible, under limited to intermittent direction, for ensuring the completeness, accuracy, timeliness, and compliance of loan files via overseeing origination support staff, responding to escalated loan-related issues, developing and implementing practices and processes to increase department efficiency, and performing other similar tasks. Manage a team tasked with the day-to-day administrative support of Loan Officers; oversee the input and maintenance of MyKey and database system data; the collection of loan applications, supporting documentation, and other paperwork; the analysis of customer credit/financial scenarios, etc.
Fifth Third Bank, N.A.NewArea Sales Manager II - Houston Fifth Third Bank, N.A.Area Sales Manager II - HoustonHouston, TXSUPERVISORY RESPONSIBILITIES: Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments. Responsible for the overall production of the team and the day-to-day management of each Mortgage Loan Originator (MLO) inclusive of structuring loans, pricing, investment of marketing dollars, group affiliations and prioritization of MLO utilization.
Builders Capital ExchangeRegional Vice President of Originations Builders Capital ExchangeRegional Vice President of OriginationsHouston, TXBuilders Capital, the nation’s largest private construction lender, is seeking a dynamic Loan Officer who is ready to strategically target and win relationships with the top private home builders in their territory. If you're ready to stop chasing scattered deals and start building meaningful relationships with the most influential private home builders in your region, Builders Capital is the platform to help you scale.
FocusOneDE Underwriter FocusOneDE UnderwriterHouston, TXFull timeThe underwriter ensures loan quality, risk assessment, and compliance while supporting production staff to achieve efficient loan closings. The DE Underwriter is responsible for underwriting residential mortgage loans in compliance with agency, investor, and company guidelines, including Conventional, FHA, and VA products.
The Symicor GroupCommercial Portfolio Manager - To 140K - Houston, TX - Job 3671B The Symicor GroupCommercial Portfolio Manager - To 140K - Houston, TX - Job 3671BHouston, TX$140,000–$140,000Commercial Portfolio Manager responsibilities include: Review loan underwriting and work directly with underwriters to get complete and accurate loan write up to the appropriate approval queues. Comply with the Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence and reporting suspicious activity to the BSA Department.
Burnett SpecialistsLending Assistant Burnett SpecialistsLending AssistantHouston, TXGather and organize required documents (ID, income proof, tax returns, credit reports). Enter loan data into banking or lending software systems.
Citigroup IncNAM Corporate Credit Underwriter - Energy, Senior Vice President Citigroup IncNAM Corporate Credit Underwriter - Energy, Senior Vice PresidentHouston, TX$144,480–$216,720 / yearAppropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding Citigroup, its clients, and assets, by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct, and business practices, and escalating, managing, and reporting control issues with transparency. Job Family Group: Risk Management Job Family: Credit Risk Time Type: Full time Primary Location: Houston, Texas, United States Primary Location Full Time Salary Range: $144,480.00 - $216,720.00 In addition to salary, Citis offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.