Wealth Management Lending Officer

Bank of America; Charlotte (NC); On-site; USD 70,000 - 100,000; Full time

Job summary

Bank of America Merrill Wealth Management seeks a Mortgage Lending Specialist to develop and maintain a network of referrals for residential loan opportunities. The role involves engaging with Merrill Financial Advisors, interviewing prospective borrowers, and advising on financing options while complying with SAFE Act requirements.

The candidate will manage client relationships from prospecting to closing, coordinate with underwriting, and stay aligned with lending policies and regulatory

Qualifications

• Experience in loan origination or wealth/loan advisory
• Understanding of lending policies and documentation
• Knowledge of regulatory requirements for real estate lending

Responsibilities

• Prospect and manage a network of referrals for mortgage lending opportunities
• Negotiate loan terms and prepare deal documentation in line with policies
• Maintain and grow a referral network to drive lending opportunities
• Guide clients through loan approval and closing processes; ensure data quality
• Understand lending programs and regulatory requirements; support advisor teams
• Balance multiple tasks and priorities to align with bank strategy

Skills

Client Solutions Advisory

Data Privacy

Influence

Networking

Attention to Detail

Client Management

Credit Documentation

Customer Focus

Problem Solving

Conflict Management

Loan Structuring

Referral Management

Education

High School Diploma or GED

Job description

Open — Bank of America has a posting for this job. Posted 16 Oct 2026.

About this job

Job Description:

Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance.

Merrill’s Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America.

Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective.

Job Description:
This job is responsible for developing and maintaining a network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities from Bank of America Merrill Financial Advisors. Key responsibilities include responding to customer inquiries and referrals, conducting interviews with prospective borrowers, determining customer financing objectives, and advising customers of product/pricing policies and guidelines, while maintaining regulatory and compliance requirements of the Line of Business. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Responsibilities:

• Manages prospecting clients and the initial structuring processes, while determining customer financial objectives and lending needs
• Negotiates with the client on lending terms, preparing deal justification and related documentation, and advising on related policies and guidelines
• Maintains a network of relationships to drive business referrals for lending opportunities
• Works directly with clients through final loan approval and closing as necessary and ensures data quality of client and deal information
• Provides guidance to effectively challenge and influence the strategic direction and tactical approaches of priority decisions
• Maintains thorough knowledge of lending programs, policies, procedures, and regulatory requirements and understands the suite of Wealth Management products and services to support business requirements
• Manages multiple tasks and sets priorities in line with the bank's overall strategy and prioritization

Required Qualifications:

• Minimum of five years of experience in a loan origination role with significant experience working with ultra-high net worth and affluent client base
• Demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals
• Strong background in the credit solutions, ranging from standard to custom mortgage products and other securities-based lending
• Significant experience building relationships with clients
• Understands processing, underwriting and/or closing procedures
• Working knowledge of federal regulations governing real estate lending
• Strong communicator, both verbally and in writing
• Self-motivated and highly organized
• Can prioritize multiple competing tasks
• Can build and maintain solid referral base (that is, strong community involvement/ties, established relationship with assigned Merrill Lynch financial advisors)
• Uses appropriate interpersonal styles, communication methods and approaches to gain clients
• Understands that the level of service provided is directly correlated to driving sales volume
• Note: Series 7 and 63 licensing is not required but may be maintained permissively

Desired Qualifications:

• Familiarity with FHA and HUD guidelines
• Strong computer skills, including Microsoft applications and previous experience using laptop technology for communication purposes including accessing rate, credit and loan status information
• Demonstrates adaptability and flexibility
• Has a positive attitude
• Ability to take ownership/accountability and demonstrates integrity
• Bachelor’s Degree in business or related field
• Internal employees who are currently working from home ae still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy

Skills:

• Client Solutions Advisory
• Data Privacy and Protection
• Influence
• Networking
• Attention to Detail
• Client Management
• Credit Documentation Requirements
• Customer and Client Focus
• Problem Solving
• Conflict Management
• Loan Structuring
• Referral Management

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent