Community Mortgage Bank Consultant (SAFE)

Wells Fargo Bank•Los Angeles, CA

5d•Onsite

About The Position

Wells Fargo is seeking a Community Mortgage Bank Consultant (SAFE) to originate mortgage loans within assigned bank branches. In this role, you will collaborate with branch leadership, participate in branch huddles, and mentor employees to enhance their knowledge of mortgage products and processes. You will exercise independent judgment when conducting outbound calls to existing and prospective customers about mortgage loan products and complete associated tracking activities. You will interact with customers to understand their needs, provide high-quality customer service, inform them about Wells Fargo Home Mortgage programs, and analyze and offer suitable mortgage loan products. You will process loan applications, review rates and terms within guidelines, and maintain high client satisfaction through timely and proactive communication. Continuous pursuit of Wells Fargo training is expected to deepen knowledge of company products, policies, procedures, and underwriting requirements. Adherence to policies, underwriting requirements, compliance requirements, and loan procedures is mandatory, along with collaboration with fulfillment partners to meet client needs throughout the origination process. Staying informed of mortgage industry trends and market developments, and developing a strong visibility for Wells Fargo Home Mortgage in the marketplace are key aspects of this role. This SAFE position involves customer contact and duties that may include offering/negotiating terms and/or taking an application for a dwelling-secured transaction, requiring compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results and meeting Loan Originator (LO) requirements under Regulation Z.

Requirements

2+ years of sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
SAFE registration at the time of employment (Wells Fargo will initiate the process)
Meet the Consumer Financial Protection Bureau qualification requirements for Loan Originator (LO) positions
Comply with related Wells Fargo policies
Meet applicable financial responsibility, character, general financial fitness and criminal background standards
A current credit report will be used to assess financial responsibility and credit fitness
Meet ongoing regulatory requirements including additional screening, if necessary

Nice To Haves

Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

Responsibilities

Sit within assigned bank branches and originate mortgage loans
Collaborate with branch leadership, participate in branch huddles, mentor and coach employees to increase knowledge of mortgage products and processes
Perform miscellaneous duties as needed and required
Exercise some independent judgment when conducting outbound calls to existing and prospective customers regarding mortgage loan products and complete associated tracking activities
Interact with customers to understand their needs and provide high quality customer service
Inform prospective and existing customers of Wells Fargo Home Mortgage programs
Analyze and offer mortgage loan products based on the client's needs
Process low to moderately complex loan applications for mortgage transactions and review rates and terms within guidelines
Maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
Continuously pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements
Adhere to policies, underwriting requirements, compliance requirements, and loan procedures
Collaborate with fulfillment partners to meet the needs of clients throughout the origination process
Stay informed of mortgage industry trends and developments in the assigned market
Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace