Mortgage & Consumer Lending Advisor

Bank of America; Palo Alto (CA); Presencial; USD 60.000 - 90.000; Jornada completa

Descripción de la vacante

Bank of America in the United States is seeking an experienced Mortgage Loan Originator to provide consumer lending advice and develop external relationships with real estate professionals, builders, and other referral partners. You will manage loan pipelines, assess credit guidelines, and deliver compliant solutions to clients while adhering to SAFE Act requirements and timelines.

The role emphasizes establishing an independent client network, strong communication, and the ability to work

Formación

• Has 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources
• Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
• Has a strong knowledge of loan products Conventional, Jumbo and Government
• Demonstrated ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products
• Demonstrated understanding of processing, underwriting and/or closing procedures
• Has a working knowledge of federal regulations governing real estate lending
• Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals, builders, and other external referral partners in a compliant manner as well as within bank policy
• An ability to work independently
• Is a strong communicator, both written and verbal
• Is self-motivated and highly organized
• Can prioritize multiple competing tasks
• Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process
• Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
• Can be flexible to work weekends and or extended hours as needed to serve clients

Responsabilidades

• Provides exceptional client care by providing advice oriented solutions with Consumer Lending and Core Banking products
• Engages in community development, outside sales activities, and external networking to responsibly grow client and market share
• Understands lending processes and credit guidelines to best develop solutions for each client's needs
• Manages daily client and loan pipelines with astute organization, follow up, and high degree of collaboration with loan fulfillment partners
• Leverages digital solutions, providing clients with a choice in preferred service pathways
• Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice conversations and fulfilling financial goals

Conocimientos

Business Development

Client Management

Customer Focus

Prospecting

Risk Management

Account Management

Client Solutions Advisory

Credit and Risk Assessment

Pipeline Management

Referral Identification

Attention to Detail

Credit Documentation Requirements

Networking

Relationship Building

Educación

High School Diploma / GED / Secondary School or equivalent

Descripción del empleo

Bank of America in the United States is seeking an experienced Mortgage Loan Originator to provide consumer lending advice and develop external relationships with real estate professionals, builders, and other referral partners. You will manage loan pipelines, assess credit guidelines, and deliver compliant solutions to clients while adhering to SAFE Act requirements and timelines.

The role emphasizes establishing an independent client network, strong communication, and the ability to work