Credit Solutions Advisor - Crown Valley Center

Bank of America • Mission Viejo, CA

7d • Onsite

About The Position

At Bank of America, the Credit Solutions Advisor supports the company’s purpose of improving financial lives through responsible growth and client service. The role is the primary lending specialist working full time within a financial center, originating loans for clients with residential mortgage needs. The advisor delivers First Mortgage and HELOC products in person or by telephone and may also provide Auto Loans, Credit Cards, and core banking products. The position balances sales performance, operational risk, and client relationship care.

The advisor provides personalized borrowing and banking guidance, assesses client needs, recommends suitable financial solutions, and supports clients throughout the mortgage application process. Responsibilities also include relationship development, client outreach and follow-up, referrals to internal partners, and coaching financial center associates on exceptional client experiences. The position may involve residential mortgage loan origination and therefore requires SAFE Act registration, maintenance of good standing, and completion of the required background check. The role is based at the Crown Valley Center in Mission Viejo, California. Bank of America describes its culture as inclusive and caring and states that its in-office approach supports collaboration, engagement, and career development, with role-specific flexibility based on responsibilities and business needs.

Requirements

• High school diploma, GED, secondary school, or equivalent.
• 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 and proactively engage with them.
• Communicate professionally, effectively, and confidently 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 identify additional required information.
• Provide effective customer service, manage the end-to-end client experience, and resolve problems.
• Strong written and verbal communication skills.
• Handle ambiguity and adapt to changing circumstances.
• Demonstrate dedication, enthusiasm, drive, a strong work ethic, and performance orientation.
• 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 and carefully complete regulatory due diligence while complying with federal and state policies.
• Meet SAFE Act registration requirements, including the required background check, and maintain registration in good standing.

Nice To Haves

• Experience working in a financial center where goals were met or exceeded.
• Knowledge of analyzing and interpreting complex financial data and providing financial alternatives.
• Knowledge of banking products and services.
• Strong time-management and organizational skills, including the ability to prioritize and perform multiple tasks simultaneously.
• Retail loan origination experience and knowledge of conventional, jumbo, HELOC, and government mortgage products.
• Knowledge of loan structuring, processing, underwriting, and closing procedures.
• Knowledge of federal regulations governing real estate lending and FHA and HUD guidelines.
• Knowledge of other lending products, including credit cards and vehicle loans.
• Strong computer skills, including Microsoft applications, and experience using laptop technology.

Responsibilities

• Provide specialized, personalized advice and guidance to financial center clients across 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 services aligned with their priorities.
• Present home lending solutions, submit mortgage applications, help clients gather supporting loan documentation, and keep clients informed throughout the loan process through calls, email, and online messaging.
• Conduct client outreach and pipeline management, including consistent follow-up routines.
• 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.
• Balance sales performance, operational risk, and client relationship care.
• Register with the federal SAFE Act registry, complete the required background check, and maintain registration in good standing.

Benefits

• Benefits eligibility.
• Access to paid time off.
• Industry-leading benefits, resources, and support for employees.
• Eligibility to participate in a formulaic incentive plan with performance-based monthly, quarterly, and/or annual incentive opportunities.

What This Job Offers

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