Mortgage Retail Sales Consultant

Wells Fargo•Aurora, CO

14d

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. The role involves soliciting residential mortgage business, producing compliant, high-quality loans, and providing excellent customer service. The consultant builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional referral sources, while maintaining visibility for Wells Fargo Home Mortgage and staying informed about mortgage industry developments in the assigned market. The consultant receives customer applications, quotes rates and points, completes follow-up activities related to registration and lock-in, and analyzes and offers mortgage products based on client needs. The role reviews low- to moderately complex financial and credit data, matches customers with appropriate loan programs and risk levels, and explains programs, rates, policies, underwriting requirements, and loan procedures to prospective and existing customers. It requires understanding real estate appraisals, title reports, and real estate transactions, as well as timely, proactive customer communication and adherence to policies, procedures, compliance requirements, and underwriting requirements. This SAFE position involves customer contact and may include offering or negotiating terms and/or taking applications for dwelling-secured transactions. Employment is contingent on meeting applicable SAFE Mortgage Licensing Act and Loan Originator requirements, including background and regulatory standards. The role requires reliable transportation, the ability to lift more than 20 pounds, and availability to work nights, weekends, and/or holidays as needed or scheduled. Compensation includes an hourly base rate meeting applicable minimum wage requirements and the opportunity to earn commission.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education.
Must obtain SAFE registration at the time of employment; Wells Fargo will initiate the registration process after the employment start date.
Must meet Consumer Financial Protection Bureau Loan Originator qualification requirements and Wells Fargo policies, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Must meet ongoing regulatory requirements, which may include additional screening.
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 mortgage loans 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.
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 and exercise some independent judgment while learning and adhering to applicable 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 appropriate loan programs and levels of risk.
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 programs and Wells Fargo policies and procedures, escalate and remediate issues, and make sound risk decisions.