Residential Mortgage Advisor

ghr; Santa Barbara (CA); On-site; USD 36,000 - 41,000; Full time

Benefits offered by this job

Benefits eligible

Formulaic incentive plan

Job summary

Bank of America in Santa Barbara is seeking a Mortgage/ Credit Solutions Advisor II to originate loans for residential mortgage clients, delivering First Mortgage and HELOC products in person or by phone while balancing sales, risk, and client care.

The role requires SAFE Act registration and readiness to work full-time in a financial center, with potential for weekend/extended hours and a strong emphasis on ethics and regulatory compliance.

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 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

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

Skills

Client Management

Client Solutions Advisory

Customer 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

Education

High School Diploma / GED / Secondary School or equivalent

Job description

Bank of America in Santa Barbara is seeking a Mortgage/ Credit Solutions Advisor II to originate loans for residential mortgage clients, delivering First Mortgage and HELOC products in person or by phone while balancing sales, risk, and client care.

The role requires SAFE Act registration and readiness to work full-time in a financial center, with potential for weekend/extended hours and a strong emphasis on ethics and regulatory compliance.