Mortgage Solutions Advisor – Grow Client Relationships

Bank of America; Richmond (VA); On-site; USD 67,000 - 77,000; Full time

Job summary

Bank of America in the United States is seeking a Credit Solutions Advisor II to provide consumer lending guidance to new-to-bank clients and to drive external business development with a network of real estate and community contacts locally.

The role emphasizes mortgage lending principles, credit guideline application, and managing a pipeline from inquiry to closing. SAFE Act registration may be required; weekend hours may be needed to serve clients, reflecting the dynamic loan environment.

Qualifications

• Has 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable 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 outstanding client care by offering 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 organization, follow up, and collaboration with loan fulfillment partners.
• Leverages digital solutions, providing clients with a choice in service pathways.
• Maintains and adheres to federal and state regulations and bank operational requirements, delivering compliant client conversations and achieving financial goals.

Skills

Loan origination

Pipeline management

Relationship building

Communication

Independent worker

Time management

Business development

Credit risk

Networking

Prospecting

Client focus

Credit docs

Risk management

Account management

Attention to detail

Sourcing clients

Regulatory knowledge

External referrals

Compliance

Education

High School Diploma / GED / Secondary School or equivalent

Tools

MS Office

Job description

Bank of America in the United States is seeking a Credit Solutions Advisor II to provide consumer lending guidance to new-to-bank clients and to drive external business development with a network of real estate and community contacts locally.

The role emphasizes mortgage lending principles, credit guideline application, and managing a pipeline from inquiry to closing. SAFE Act registration may be required; weekend hours may be needed to serve clients, reflecting the dynamic loan environment.