Community Mortgage Bank Sales Consultant (SAFE)

Wells Fargo•Baltimore, MD

6d•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 also conduct outbound calls to existing and prospective customers regarding mortgage loan products, interact with customers to understand their needs and provide high-quality customer service, and inform prospective and existing customers of Wells Fargo Home Mortgage programs. You will analyze and offer mortgage loan products based on client needs, process loan applications, and review rates and terms within guidelines. Maintaining a high standard of client satisfaction and quality through timely and proactive customer communication is essential. You will continuously pursue Wells Fargo training offerings to enhance knowledge of company products, policies, procedures, and underwriting requirements, and adhere to all policies, underwriting requirements, compliance requirements, and loan procedures. Collaboration with fulfillment partners to meet client needs throughout the origination process is key. Staying informed of mortgage industry trends and developments in the assigned market and developing and maintaining a high degree of visibility for Wells Fargo Home Mortgage in the marketplace are also important 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. Therefore, 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 must also meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations.

Requirements

2+ years of sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education.
Compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations.
Meeting the Loan Originator requirements under Regulation Z (LO).
Meeting applicable financial responsibility, character, general financial fitness and criminal background standards.
Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
SAFE registration at the time of employment.
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.
Basic Microsoft Office skills.
Excellent verbal, written, and interpersonal communication skills.
Bilingual speaking proficiency in Spanish/English preferred.

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.
Conduct 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 them with 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 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 our clients throughout the origination process.
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.