Credit Solutions Advisor - Blanco Road

Bank of America • San Antonio, TX

13d • Onsite

About The Position

At Bank of America, the Credit Solutions Advisor originates loans for clients with residential mortgage needs and serves as the primary lending specialist working full time within a financial center. The advisor delivers First Mortgage and HELOC lending products in person or by telephone and may also provide Auto Loans, Credit Cards, and Core Banking products. The role balances sales performance, operational risk, and client relationship care.

Responsibilities include advising clients on borrowing and banking offerings, assessing their financial needs, identifying suitable products, and guiding them through mortgage applications and documentation. The advisor maintains client relationships through outreach and follow-up, responds to requests, and refers clients to appropriate internal partners. The role also provides specialized guidance and coaching to financial center associates on delivering an exceptional client experience.

The position may involve residential mortgage loan origination and is subject to SAFE Act registration requirements. Employees must register with the federal registry system, complete the required background check, and remain in good standing. Failure to obtain or maintain registration may result in disciplinary action, up to and including termination.

Requirements

• Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating ability to assess client needs, lead, build trust and relationships, and/or self-source business, combined with a proven record in consultative sales and tailored financial solutions.
• Actively listen to clients to determine their needs and goals and proactively interact with them.
• Communicate professionally, effectively, and confidently with clients in person and over the phone.
• Apply critical thinking and analyze financial and credit data to advise clients on product and pricing policies and guidelines and identify additional information needed.
• Demonstrate customer service skills and ability to manage the end-to-end client experience and resolve problems.
• Have strong written and verbal communication skills.
• Handle ambiguity and adapt to changing circumstances.
• Be dedicated, enthusiastic, driven, performance-oriented, and possess a strong work ethic.
• Be flexible to work weekends and/or extended hours as needed.
• Collaborate effectively and build productive internal and external relationships.
• Learn and understand technology.
• Demonstrate professional ethics, conduct regulatory due diligence, and comply with Federal and State compliance policies.
• Meet SAFE Act registration and background check requirements for residential mortgage loan origination.
• Have a High School Diploma, GED, Secondary School credential, or equivalent.

Nice To Haves

• Experience working in a financial center where goals were met or exceeded.
• Knowledge of analyzing and comprehending complex financial data and providing financial alternatives.
• Knowledge of banking products and services.
• Solid time management and ability to organize, prioritize, and perform multiple tasks simultaneously.
• Experience in retail loan origination.
• Knowledge of mortgage products, including Conventional, Jumbo, HELOC, and Government products.
• Knowledge of loan 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, including credit cards and vehicle loans.
• Strong computer skills, including MS applications, and prior experience using laptop technology.

Responsibilities

• Provide specialized, personalized service and advice to financial center clients across borrowing and banking offerings at each stage of their financial plan.
• Build and deepen relationships with new and existing clients by leveraging the bank’s capabilities.
• Analyze client financial needs and recommend borrowing and banking services aligned with their priorities.
• Present potential home lending solutions, submit mortgage applications, help clients gather supporting loan documentation, and keep them informed throughout the loan process.
• Connect with clients through outreach and pipeline management, and conduct consistent follow-up.
• Respond to client requests and make referrals to appropriate internal partners.
• Partner with financial center leaders, performance managers, and market leaders to provide guidance and coaching to financial center associates on client experience.

Benefits

• Affordable, competitive, and flexible benefits supporting teammates’ physical, emotional, and financial wellness.

What This Job Offers

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