Mortgage Retail Sales Consultant (SAFE)
About The Position
Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. In this role you will: 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. 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. As such, 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 also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.
Requirements
- 2+ years of Mortgage Retail 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) outlined in the job expectations below.
- Meeting applicable financial responsibility, character, general financial fitness and criminal background standards.
- Reliable transportation.
Nice To Haves
- Basic Microsoft Office skills.
- Experience with retail residential mortgage, purchase fundings over the past 12 months referred primarily from established, local or external sources.
- Experience with educating clients on various mortgage programs.
- Excellent verbal, written, and interpersonal communication skills.
- Mortgage industry experience.
- Knowledge and understanding of sales prospecting and generating referrals.
- Experience developing and cultivating professional relationships.
- Bilingual speaking proficiency in Spanish/English.
- Customer service experience.
Responsibilities
- Solicit 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.
- 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.
Benefits
- Consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
Number of Employees
5,001-10,000 employees
