CA-WA Mortgage Retail Sales Consultant (SAFE)

Wells Fargo Bank•Irvine, 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 mortgage business from various sources, produces compliant, high-quality loans, and provides excellent customer service. The consultant builds and maintains relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources, while developing visibility for Wells Fargo Home Mortgage and staying informed about market and mortgage-industry trends. The consultant receives customer applications, quotes rates and points, completes registration and lock-in follow-up, and analyzes mortgage products against customer needs. The role reviews low- to moderately complex financial and credit data, assesses loan-program fit and risk, and explains Wells Fargo programs, rates, policies, underwriting requirements, and procedures. It also requires timely customer communication, adherence to policies and compliance requirements, and participation in company training. This SAFE position involves customer contact and may include offering or negotiating terms or taking applications for dwelling-secured transactions. Employment requires SAFE registration and compliance with applicable Loan Originator qualification and regulatory requirements, including background and financial-responsibility standards. The role may require lifting more than 20 pounds, reliable transportation, and work at night, on weekends, or on holidays as needed or scheduled.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education.
Obtain SAFE registration at the time of employment.
Meet Consumer Financial Protection Bureau Loan Originator qualification requirements and applicable financial responsibility, character, 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 mortgage applications 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 sources.
Develop and maintain Wells Fargo Home Mortgage visibility in the marketplace and stay informed about mortgage-industry trends 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 registration and lock-in follow-up activities.
Analyze and offer mortgage loan products based on client needs.
Review and analyze low- to moderately complex financial and credit data, and match customer needs with an appropriate loan program and level of risk.
Inform prospective and existing customers about mortgage programs, rates, policies, underwriting requirements, and loan procedures.
Maintain client 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 appropriately and make sound risk decisions.