At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and making an impact in the communities we serve.
Bank of America is committed to an in‑office culture with specific requirements for office‑based attendance and appropriate flexibility based on role‑specific considerations. You can build a successful career with opportunities to learn, grow, and make an impact.
Job Description
This role is responsible for providing 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 the client’s life plan. The position requires balancing sales performance, operational risk, and client relationship care while leveraging expertise. All employees engaged in residential loan mortgage originations must register with the federal SAFE Act registry system and undergo required background checks; failure to maintain registration may result in 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 the client’s life planBuilds and deepens relationships with new and existing clients by leveraging the full capabilities of the bankAnalyzes the client’s financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client’s unique prioritiesPresents 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 messagingConnects with clients through outreach and pipeline management activities and conducts consistent follow‑up routines to meet client needsResponds to client requests and makes referrals to appropriate internal partners based on client needsPartners 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
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 combined with a proven record in consultative sales and delivering tailored financial solutionsActively listens to the client to determine their needs and goals and has a desire to interact with clients proactivelyCommunicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phoneIs a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required informationHas effective customer service skills with ability to manage the full client end‑to‑end experience and problem resolutionStrong written and verbal communication skillsAbility to handle ambiguity and adapt to changing circumstancesDedicated, enthusiastic, driven and performance‑oriented; possesses a strong work ethicCan be flexible to work weekends and/or extended hours as neededA true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externallyAbility to learn and understand technologyDemonstrates 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
Experience in a loan origination role in a retail environment and knowledge of Mortgage Products (Conventional, Jumbo and HELOC, Government)Knowledge of credit and home lending requirementsExperience working in a financial center where goals were met or exceededKnowledge in analyzing and comprehending complex financial data and providing financial alternativesKnowledge of banking products and servicesSolid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneouslyExperience in a loan origination role in a retail environment and knowledge of structuring, processing, underwriting and closing proceduresFederal regulations governing real estate lendingFHA and HUD guidelinesOther lending products (Credit Card, Vehicle Loans)Strong computer skills including MS applications and previous experience utilizing laptop technology
Skills
Client ManagementClient Solutions AdvisoryCustomer and Client FocusReferral IdentificationRisk ManagementClient Experience BrandingCredit Documentation RequirementsCredit and Risk AssessmentPipeline ManagementReferral ManagementAttention to DetailCollaborationIssue ManagementProspectingRelationship Building
The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators
Minimum Education Requirement
High School Diploma / GED / Secondary School or equivalent
Shift
1st shift (United States of America)
Hours Per Week
40
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