Credit Solutions Advisor - Tassajara - Bilingual Mandarin Required
Bank of America Corporation
Una candidatura completa in un minuto
Curriculum e lettera di presentazione personalizzati, pronti da inviare.
Vantaggi offerti da questo lavoro
Descrizione del lavoro
Bank of America in Dublin, CA is seeking a Credit Solutions Advisor II to provide specialized mortgage guidance and banking services to clients at every life stage. The role focuses on balancing sales, risk, and client care while leveraging the bank's lending capabilities.
You will acquire and deepen client relationships, present mortgage product solutions, assist with documents, and guide customers through the loan process, including outreach, follow-up, and collaboration with internal
Competenze
- 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.
Mansioni
- 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
- Present 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
Conoscenze
Formazione
Descrizione del lavoro
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.
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 client 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.
- 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
- Present 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
- 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.
- 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.
- 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
The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators
High School Diploma / GED / Secondary School or equivalent
1st shift (United States of America)
40
US - CA - Dublin - 4250 Dublin Blvd - Tassajara BC (CA4210)
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.
- 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.
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.
Learn about some of the ways Bank of America is making a difference in the communities we serve.
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.
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.
Learn about our four values that represent what we believe.
https://careers.bankofamerica.com/en-us/pay-transparency
'/%3e%3cpath%20d='M101.744%2012.4726L102.894%2016.1947L99.0021%2013.2201L101.744%2012.4726ZM105.3%208.40937H100.488L99.0026%203.59473L97.5116%208.41047L92.7%208.40385L96.5965%2011.3834L95.1055%2016.1942L99.0021%2013.2196L101.408%2011.3834L105.3%208.40992V8.40937Z'%20fill='white'/%3e%3cdefs%3e%3clinearGradient%20id='paint0_linear_5593_1381'%20x1='90'%20y1='9.44471'%20x2='99'%20y2='9.44471'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%2300AD70'/%3e%3cstop%20offset='0.998594'%20stop-color='%2300B67A'/%3e%3cstop%20offset='1'%20stop-color='%23DCDCE6'/%3e%3c/linearGradient%3e%3c/defs%3e%3c/svg%3e){kind=small}
