Residential Mortgage Loan Advisor | Grow Client Relationships

Bank of America; San Jose (CA); On-site; USD 90,000 - 140,000; Full time

Job summary

Bank of America in the United States seeks a seasoned Consumer Lending Advisor to provide mortgage lending guidance to new-to-bank clients and develop external business relationships. You'll apply mortgage lending principles, assess income/assets/liabilities, and manage pipelines while ensuring regulatory compliance and customer-focused solutions.

Ideal candidates have 3+ years in loan origination, a strong network of referral sources, and a proven ability to work independently with excellent

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 to deliver an exceptional client experience.
• Strong knowledge of loan products: Conventional, Jumbo, and Government.
• Ability to analyze income, assets, and liabilities to qualify clients for loan products.
• Understanding of processing, underwriting, and closing procedures.
• Knowledge of federal regulations governing real estate lending.
• Ability to source clients independently with external referral partners in a compliant manner.

Responsibilities

• Provides exceptional 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 grow client and market share.
• Understands lending processes and credit guidelines to develop client-specific solutions.
• Manages daily client and loan pipelines with organization, follow-up, and collaboration with loan fulfillment partners.
• Leverages digital solutions, offering clients a choice in service pathways.
• Maintains compliance with federal/state regulations and bank requirements in client conversations and 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

Issue Management

Networking

Relationship Building

Education

High School Diploma / GED

Job description

Bank of America in the United States seeks a seasoned Consumer Lending Advisor to provide mortgage lending guidance to new-to-bank clients and develop external business relationships. You'll apply mortgage lending principles, assess income/assets/liabilities, and manage pipelines while ensuring regulatory compliance and customer-focused solutions.

Ideal candidates have 3+ years in loan origination, a strong network of referral sources, and a proven ability to work independently with excellent