Credit Solutions Advisor - Bellevue

Bank of America; Bellevue (KY); On-site; USD 36,000 - 41,000; Full time

Benefits offered by this job

Incentive plan

Job summary

Bank of America seeks a mortgage originator to deliver tailored home lending solutions and guide clients through the loan process. You’ll build trusted relationships with clients and coordinate with internal partners to meet financial goals.

Responsibilities include assessing needs, presenting mortgage products, and maintaining strong client communications across multiple channels. A minimum 2 years in origination or consultative sales is required.

Qualifications

• Minimum 2 years of mortgage origination or equivalent experience in consultative sales.
• Ability to assess client needs and propose tailored financial solutions.
• Strong communication and relationship-building skills.

Responsibilities

• Provide specialized guidance on borrowing and banking offerings to clients.
• Build and deepen client relationships by leveraging bank capabilities.
• Analyze financial needs and recommend suitable products and services.
• Present home lending solutions and guide clients through mortgage processes.
• Maintain ongoing client communication via calls, email, and messaging.
• Coordinate with internal partners to deliver exceptional client experiences.

Skills

Client Management

Relationship Building

Credit Analysis

Sales & Advisory

Pipeline Management

MS Office Proficiency

Education

High School Diploma / GED / Secondary School or equivalent

Tools

MS Office

Job description

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Job Description: This job is responsible for providing specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan. Key responsibilities include acquiring new and deepening existing customer relationships by conducting client meetings and presenting customized solutions to clients to help them achieve their financial goals. Job expectations include effectively balancing sales performance, operational risk, and client relationship care by leveraging expertise. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.

Responsibilities

• Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
• Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities
• Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
• Responds to client requests and makes referrals to appropriate internal partners based on client needs
• Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience

Required Qualifications

• Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, leadership ability, build trust, deepen relationships, and/or self-source business combined with a proven record in consultative sales and delivering tailored financial solutions
• Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively
• Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone
• Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information
• Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution
• Strong written and verbal communications skills
• Ability to handle ambiguity and adapt to changing circumstances
• Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic
• Can be flexible to work weekends and/or extended hours as needed
• A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally
• Ability to learn and understand technology
• Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies

Desired Qualifications

• Experience in a loan origination role in a retail environment and knowledge of Mortgage Products (Conventional, Jumbo and HELOC, Government)
• Knowledge of credit and home lending requirements
• Experience working in a financial center where goals were met or exceeded
• Knowledge in analyzing and comprehending complex financial data and providing financial alternatives
• Knowledge of banking products and services
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
• Experience in a loan origination role in a retail environment and knowledge of
• Structuring, Processing, underwriting and closing procedures
• Federal regulations governing real estate lending
• FHA and HUD guidelines
• Other Lending Products (Credit Card, Vehicle Loans)
• Strong computer skills including MS applications and previous experience utilizing laptop technology

Skills

• Client Management
• Client Solutions Advisory
• Customer and Client Focus
• Referral Identification
• Risk Management
• Client Experience Branding
• Credit Documentation Requirements
• Credit and Risk Assessment
• Pipeline Management
• Referral Management
• Attention to Detail
• Collaboration
• Issue Management
• Prospecting
• Relationship Building

Minimum Education Requirement

High School Diploma / GED / Secondary School or equivalent

Work and Compensation

Shift: 1st shift (United States of America)

Hours Per Week: 40

Pay Transparency details US - WA - Bellevue - 10572 NE 4th St - Bellevue FC (WA3191)

Pay range $26.00 - $30.83 hourly pay, offers to be determined based on experience, education and skill set. Formulaic incentive eligible. This role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee’s performance against defined metrics.

Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Privacy Statement: https://careers.bankofamerica.com/en-us/privacy-notice

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference.

Partnering Locally

Learn about some of the ways Bank of America is making a difference in the communities we serve.

Global Impact

Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates.

Opportunity and Inclusion

Each employee brings unique skills, background and opinions. We see opportunity and inclusion as our platform for innovation and a key component in our success.

Our Values

Learn about our four values that represent what we believe.

Pay Transparency: https://careers.bankofamerica.com/en-us/pay-transparency