Community Mortgage Bank Sales Consultant (SAFE)

Wells Fargo Bank•Haltom City, TX

20h•Onsite

About The Position

Wells Fargo is seeking a Community Mortgage Bank Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. In this role, you will sit within assigned bank branches and originate mortgage loans. You will collaborate with branch leadership, participate in branch huddles, and mentor and coach employees to increase knowledge of mortgage products and processes. You will perform miscellaneous duties as needed and required, exercising some independent judgment when conducting outbound calls to existing and prospective customers regarding mortgage loan products and completing associated tracking activities. You will interact with customers to understand their needs and provide high-quality customer service, informing prospective and existing customers of Wells Fargo Home Mortgage programs and analyzing and offering mortgage loan products based on the client's needs. You will process low to moderately complex loan applications for mortgage transactions and review rates and terms within guidelines, maintaining a high standard of client satisfaction and quality by ensuring timely and proactive customer communication. You will continuously pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements. You will adhere to policies, underwriting requirements, compliance requirements, and loan procedures, collaborating with fulfillment partners to meet the needs of clients throughout the origination process. You will stay informed of mortgage industry trends and developments in the assigned market and develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace. This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

Requirements

2+ years of sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations.
Meeting Loan Originator requirements under Regulation Z (LO), including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Successful completion of a credit report to assess financial responsibility and credit fitness.
Basic Microsoft Office skills
Excellent verbal, written, and interpersonal communication skills
Ability to provide leadership by coaching, training, and mentoring

Nice To Haves

2+ years of mortgage retail sales experience
Expertise of general lending products and overall mortgage industry experience
Experience with retail residential mortgage, purchase fundings over the past 12 months referred primarily from established, local or external sources
Established relationships with diverse realtor organizations and affordable lending nonprofits in assigned market
Experience with community loan products inclusive of specialized LMI mortgage solutions, lender paid assistance programs and 3rd party assistance programs
FHA/VA & conventional loan experience is preferred
Knowledge and understanding of sales prospecting and generating referrals
Experience with educating clients on various mortgage purchase programs
Experience developing and cultivating professional relationships
Customer service experience
Bilingual speaking proficiency in Spanish/English preferred

Responsibilities

Originate mortgage loans within assigned bank branches.
Collaborate with branch leadership and participate in branch huddles.
Mentor and coach employees to increase knowledge of mortgage products and processes.
Conduct outbound calls to existing and prospective customers regarding mortgage loan products.
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 client needs.
Process low to moderately complex loan applications for mortgage transactions.
Review rates and terms within guidelines.
Ensure timely and proactive customer communication to maintain high client satisfaction and quality.
Pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements.
Adhere to policies, underwriting requirements, compliance requirements, and loan procedures.
Collaborate with fulfillment partners to meet client needs 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.