Centralized Lending Specialist - Charlotte, NC

Bank of America; Charlotte (NC); On-site; USD 40,000 - 70,000; Full time

Job summary

An established industry player is seeking a Centralized Lending Specialist to join their team in Charlotte. This role involves assisting clients with financing options, including home purchases and refinancing, while providing exceptional customer service. The ideal candidate will have a client-focused mindset, strong communication skills, and the ability to thrive in a fast-paced environment. If you're passionate about helping clients achieve their financial goals and are ready to take on a rewarding role in the banking sector, this opportunity is perfect for you.

Qualifications

• 1+ years of experience in sales, mortgage, or contact center roles.
• Strong client relationship skills and ability to work under pressure.

Responsibilities

• Provide exceptional client care through inbound and outbound calls.
• Analyze clients' financial goals and recommend suitable lending products.

Skills

Attention to detail

Client solutions advisory

Customer focus

Effective communication

Loan structuring and pipeline management

Problem solving and collaboration

Credit documentation understanding

Critical thinking and referral management

Education

High School Diploma or GED

Job description

Join to apply for the Centralized Lending Specialist - Charlotte, NC role at Bank of America

This job is responsible for answering inbound calls and initiating outbound calls within a call center to assist clients with financing options such as home purchases, refinancing, or home equity lines of credit. Key responsibilities include analyzing clients' financial goals, recommending suitable lending products, submitting mortgage applications, gathering supporting documentation, and maintaining communication throughout the loan process. This position requires SAFE Act registration and adherence to related regulations.

Responsibilities:

• Provide exceptional client care
• Answer inbound and make outbound calls to guide clients in finding the best lending solutions
• Use multiple technology systems to assist customers and referral partners
• Follow lending policies and manage risks effectively
• Maintain regular communication with clients and partners via calls, email, and messaging systems
• Identify opportunities for cross-selling bank products through client conversations

Required Qualifications:

• At least 1 year of sales, mortgage, or contact center experience
• Strong client relationship and care mentality
• Active listening skills and proactive client engagement
• Ability to assess client needs and promote suitable products
• Technical aptitude for learning platform systems
• Excellent customer service and problem-solving skills
• Ability to work under pressure during high-volume periods
• Effective communication skills (written, oral, non-verbal)
• Flexibility to work weekends or extended hours as needed
• Ability to handle multiple business lines and adapt to changing needs

Desired Qualifications:

• Knowledge of loan products (Conventional, Jumbo, Government)
• Ability to analyze financial and credit data
• Familiarity with FHA and HUD guidelines
• Understanding of underwriting, processing, and federal regulations
• Strong consultative skills and financial analysis capabilities

Skills:

• Attention to detail
• Client solutions advisory
• Customer focus
• Effective communication
• Loan structuring and pipeline management
• Problem solving and collaboration
• Credit documentation understanding
• Critical thinking and referral management

Minimum Education Requirement:

High School Diploma or GED

Shift:

1st shift (United States)

Hours Per Week:

40 hours

Seniority Level:

Entry level

Employment Type:

Full-time

Job Function:

Finance and Sales

Industries:

Banking