Mortgage & Consumer Lending Advisor - SF Bay Area

Bank of America; San Francisco (CA); On-site; USD 67,000 - 77,000; Full time

Benefits offered by this job

Benefits

Job summary

Bank of America is seeking a Mortgage Loan Originator in San Francisco to provide consumer lending advice to new-to-bank clients and to develop external business through a network of real estate professionals and builders.

You will manage loan pipelines, understand credit guidelines, and leverage digital tools to offer flexible service pathways while complying with state and federal regulations. This in-office role emphasizes relationship-building and strategic market growth.

Qualifications

• 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

Responsibilities

• 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

Skills

Business Development

Client Management

Customer and Client Focus

Prospecting

Risk Management

Account Management

Client Solutions Advisory

Credit and Risk Assessment

Pipeline Management

Referral Identification

Attention to Detail

Credit Documentation Requirements

Issue Management

Networking

Relationship Building

Education

High School Diploma / GED / Secondary School or equivalent

Job description

Bank of America is seeking a Mortgage Loan Originator in San Francisco to provide consumer lending advice to new-to-bank clients and to develop external business through a network of real estate professionals and builders.

You will manage loan pipelines, understand credit guidelines, and leverage digital tools to offer flexible service pathways while complying with state and federal regulations. This in-office role emphasizes relationship-building and strategic market growth.