Mortgage Retail Sales Consultant

Wells Fargo Bank•Palm Desert, CA

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant in Consumer Lending as part of Home Lending. The role solicits residential mortgages from multiple sources, develops relationships with referral partners and customers, and produces high-quality, compliant loans while providing excellent customer service. The consultant builds visibility for Wells Fargo Home Mortgage in the assigned market and stays informed about mortgage industry trends and developments. The position involves receiving customer applications, quoting rates and points, completing registration and lock-in follow-up, and analyzing mortgage products to match customer needs and risk. The consultant reviews low- to moderately complex financial and credit data and explains Wells Fargo programs, rates, policies, underwriting requirements, and loan procedures to prospective and existing customers. Timely, proactive communication and ongoing training are expected. This is a SAFE position with customer contact and duties that may include offering or negotiating terms and taking applications for dwelling-secured transactions. Employment requires SAFE registration and compliance with applicable Loan Originator requirements, including financial responsibility, character, financial fitness, and criminal background standards. The job also requires reliable transportation and the ability to lift more than 20 pounds; work on nights, weekends, or holidays may be needed or scheduled.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education.
SAFE registration is required at the time of employment.
Meet Consumer Financial Protection Bureau Loan Originator qualification requirements and related Wells Fargo policies, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.
Ability to lift more than 20 pounds.
Reliable transportation.
Ability to work nights, weekends, and/or holidays as needed or scheduled.

Nice To Haves

Basic Microsoft Office skills.
Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources.
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.
Customer service experience.

Responsibilities

Solicit residential mortgages from various sources.
Produce high-quality, compliant loans and provide excellent customer service.
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources.
Develop and maintain visibility for Wells Fargo Home Mortgage in the marketplace and stay informed about mortgage industry trends and developments in the assigned market.
Present recommendations for producing loans, exercise some independent judgment, and develop understanding of and adherence to Mortgage Retail Sales policies, procedures, and compliance requirements.
Understand real estate appraisals, title reports, and real estate transactions.
Receive customer applications, quote rates and points, and complete follow-up activities related to registration and 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 assess risk level.
Inform prospective and existing customers about mortgage programs, rates, policies, underwriting requirements, and loan procedures.
Maintain customer satisfaction and loan quality through timely, proactive customer communication.
Pursue Wells Fargo training to increase knowledge of company products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, and ongoing regulatory requirements.
Follow applicable risk and compliance programs, policies, and procedures; escalate and remediate issues as appropriate.