Home Mortgage Consultant (SAFE)

Wells Fargo Bank•New York, NY

4d•Onsite

About The Position

Wells Fargo is a global trailblazer committed to driving innovation, empowering communities, and helping customers succeed. They believe a meaningful career is more than a job, offering elements to help employees thrive. Living the Well Life means being supported in life and work, with robust benefits, competitive compensation, and programs for work-life balance and well-being. Employees are rewarded for community investment, celebrated for authenticity, and empowered to grow. Wells Fargo was recognized on the 2026 LinkedIn Top Companies list for career growth in the U.S. In this role, you will participate in soliciting residential mortgages from various sources, produce high-quality, compliant loans, and provide excellent customer service. You will build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources. You will develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace, staying informed of industry trends and developments. You will present recommendations for producing loans, exercise independent judgment, and adhere to Mortgage Retail Sales policies, procedures, and compliance requirements. You will understand real estate appraisals, title reports, and real estate transactions. You will receive customer applications, quote rates and points, complete follow-up activities, and analyze mortgage loan products based on client needs. You will review and analyze financial and credit data, matching customer needs with appropriate loan programs and risk levels. You will inform customers about Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and procedures, maintaining high client satisfaction and quality through proactive communication. You will pursue Wells Fargo training to enhance knowledge of products, policies, and procedures.

Requirements

2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
This SAFE position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations.
Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies.
The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards.
A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company.
They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions.
There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Nice To Haves

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.
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

Responsibilities

Participate in soliciting residential mortgages from various sources
Produce high quality loans which are compliant and provide excellent customer service
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market
Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
Understand real estate appraisals, title reports, and real estate transactions
Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs
Review and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk
Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements