Credit Solutions Advisor - Burlingame

Bank of America • Burlingame, CA

2d • Onsite

About The Position

At Bank of America, the Credit Solutions Advisor provides specialized, personalized advice and guidance to financial center clients across borrowing and banking offerings at each stage of their financial life plan. The role builds new and existing client relationships by conducting client meetings and presenting customized solutions to help clients achieve their financial goals. It balances sales performance, operational risk, and client relationship care.

The position includes presenting home lending solutions, submitting mortgage applications, helping clients gather supporting loan documentation, and keeping them informed throughout the loan process. It is subject to SAFE Act registration requirements, including required registration and a background check. Employees must maintain good standing in the federal registry system. Internal employees currently working from home may apply, but selected candidates may be required to work onsite under the workplace excellence policy.

Requirements

• At least 2 years of mortgage origination experience, or equivalent experience demonstrating client-needs assessment, leadership, trust-building, relationship deepening, and/or self-sourced business, combined with a proven record in consultative sales and tailored financial solutions.
• Actively listen to clients to determine their needs and goals, with a desire to engage proactively.
• Communicate professionally, effectively, and confidently, and engage clients in person and over the phone.
• Think critically and analyze financial and credit data to advise clients on product and pricing policies and guidelines, and gather additional required information.
• Demonstrate effective customer service skills, including managing the end-to-end client experience and resolving problems.
• Strong written and verbal communication skills.
• Ability to handle ambiguity and adapt to changing circumstances.
• Be dedicated, enthusiastic, driven, performance-oriented, and possess a strong work ethic.
• Flexibility to work weekends and/or extended hours as needed.
• Collaborate effectively and build productive relationships internally and externally.
• Ability to learn and understand technology.
• Demonstrate professional ethics, conduct relevant regulatory due diligence, and comply with federal and state policies.
• High school diploma, GED, secondary school, or equivalent.
• Complete and maintain SAFE Act registration and meet required background-check and registration requirements.

Nice To Haves

• Experience in retail loan origination and knowledge of mortgage products, including Conventional, Jumbo, HELOC, and government products.
• Knowledge of credit and home lending requirements.
• Experience working in a financial center where goals were met or exceeded.
• Knowledge of analyzing complex financial data and providing financial alternatives.
• Knowledge of banking products and services.
• Strong time management and organization skills, including prioritizing and performing multiple tasks simultaneously.
• Experience with loan origination in a retail environment and knowledge of structuring, processing, underwriting, and closing procedures.
• Knowledge of federal regulations governing real estate lending.
• Knowledge of FHA and HUD guidelines.
• Knowledge of other lending products, such as credit cards and vehicle loans.
• Strong computer skills, including MS applications, and prior experience using laptop technology.

Responsibilities

• Provide specialized, personalized advice and guidance to financial center clients on borrowing and banking offerings.
• Build and deepen relationships with new and existing clients by leveraging the bank’s capabilities.
• Analyze client financial needs and recommend financial services aligned with their priorities.
• Present potential home lending solutions, submit mortgage applications, help gather supporting loan documentation, and keep clients informed throughout the mortgage process through calls, email, and online messaging.
• Connect with clients through outreach and pipeline management, and follow up consistently to meet client needs.
• Respond to client requests and refer clients to appropriate internal partners.
• Partner with financial center leaders, performance managers, and market leaders to provide guidance and coaching to financial center associates on delivering an exceptional client experience.

Benefits

• Benefits eligibility
• Paid time off
• Access to employee resources and support
• Formulaic incentive plan eligibility

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED