Community Lending Officer - Albemarle Road

Bank of America Corporation•Charlotte, NC

43d

About The Position

This job is responsible for managing the end-to-end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. Key responsibilities include connecting with internal and external centers of influence (i.e. financial center partners, realtors, etc.) to originate mortgage transactions, identifying relationship deepening opportunities with clients, and facilitating the loan process from application to close. Job expectations include providing home buyer education via workshops and contacting with clients and partners virtually or in-person. 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.

Requirements

Client Management
Customer and Client Focus
Loan Structuring
Oral Communications
Referral Management
Credit Documentation Requirements
Learning Delivery
Presentation Skills
Prospecting
Written Communications
Active Listening
Business Development
Credit and Risk Assessment
Data Collection and Entry
Pipeline Management
High School Diploma / GED / Secondary School or equivalent

Responsibilities

Originates loans from multiple internal and external referral sources
Understands the local Affordable Housing Market, Housing Assistance Programs, and experience, providing thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers
Achieves production goals as defined by the business
Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
Provides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
Conducts monthly Home Buyer Workshops and Business Development meetings

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