Credit Solutions Advisor - Warrington - Russian Preferred

Bank of America; Warrington Township (Bucks County); On-site; USD 70,000 - 100,000; Full time

Job summary

Bank of America is hiring a mortgage originator in a financial center. The role focuses on delivering First Mortgage and HELOC lending products in person or by phone, balancing sales with risk and client care.

Responsibilities include guiding clients through the mortgage process, gathering documents, and maintaining ongoing communication to close loans in a compliant, customer-centric manner.

Qualifications

• Minimum 2 years mortgage origination experience or equivalent sales/consultative background.
• Ability to listen to client needs, build trust, and proactively engage clients.
• Professional communication, in person and by phone, with strong written skills.
• Analytical ability to assess financial data and explain policies and guidelines.
• Strong customer service throughout the end-to-end client experience.
• Willingness to work weekends or extended hours as needed.
• Team player with collaborative mindset and ethical standards.

Responsibilities

• Provide personalized service and guidance to financial center clients across borrowing and banking products.
• Build relationships with new and existing clients through the bank's full capabilities.
• Analyze client financial needs and tailor borrowing solutions accordingly.
• Present home lending options, process mortgage applications, and gather documentation.
• Maintain ongoing client communication via calls, email, and messaging throughout the loan process.
• Collaborate with internal partners to deliver exceptional client experiences.

Skills

Client Management

Client Solutions Advisory

Customer Focus

Referral Identification

Risk Management

Credit Documentation

Pipeline Management

Relationship Building

Attention to Detail

Education

High School Diploma / GED / Secondary School or equivalent

Job description

Company Culture

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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description

This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

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

Shift

1st shift (United States of America)

Hours Per Week

40

Privacy Statement

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

Pay Transparency

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

Company Culture (Repetition)

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. Join us!

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.

Values

Learn about our four values that represent what we believe.