Description
:
This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage 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 and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
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
Required Qualifications:
1. Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
2. Knowledge of credit and home lending requirements
3. Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
4. Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
5. 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.
6. Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution.
7. Strong written and verbal communications skills.
8. Ability to handle ambiguity and adapt to changing circumstances.
9. Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic.
10. Can be flexible to work weekends and/or extended hours as needed.
11. A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
12. Ability to learn and understand technology.
13. 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.
Desired Qualifications:
14. Experience working in a financial center where goals were met or exceeded.
15. Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
16. Knowledge of banking products and services.
17. Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
18. Experience in a loan origination role in a retail environment and knowledge of
19. Mortgage Products (Conventional, Jumbo and HELOC, Government)
20. Structuring, Processing, underwriting and closing procedures
21. Federal regulations governing real estate lending
22. FHA and HUD guidelines
23. Other Lending Products (Credit Card, Vehicle Loans)
24. Strong computer skills including MS applications and previous experience utilizing laptop technology.
Skills:
25. Client Management
26. Client Solutions Advisory
27. Customer and Client Focus
28. Referral Identification
29. Risk Management
30. Client Experience Branding
31. Credit Documentation Requirements
32. Credit and Risk Assessment
33. Pipeline Management
34. Referral Management
35. Attention to Detail
36. Collaboration
37. Issue Management
38. Prospecting
39. Relationship Building
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40