Mortgage Retail Sales Consultant (SAFE)

Wells Fargo Bank•Woodbridge, VA

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 various sources, produces compliant, high-quality loans, and provides excellent customer service. It builds and maintains relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources, while developing visibility for Wells Fargo Home Mortgage in the assigned market and staying informed about mortgage industry trends. The consultant receives customer applications, quotes rates and points, completes follow-up related to registration and lock-in, and recommends mortgage products suited to clients’ needs. The role reviews low- to moderately complex financial and credit information, matches customer needs with loan programs and risk levels, and explains programs, rates, policies, underwriting requirements, and loan procedures. Timely, proactive communication and customer satisfaction are expected. The position also requires SAFE registration and compliance with applicable mortgage licensing and Loan Originator requirements. Ongoing employment depends on meeting regulatory standards, including background and financial responsibility requirements.

Requirements

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

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 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 and English.
Customer service experience.

Responsibilities

Solicit residential mortgage applications from various sources.
Produce high-quality, compliant loans while providing 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 and exercise some independent judgment while learning and adhering to functional-area policies, procedures, compliance requirements, and loan-generation practices.
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 rate lock-in.
Analyze customer needs and offer appropriate mortgage loan products.
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 about mortgage programs, rates, policies, underwriting requirements, and loan procedures.
Maintain customer satisfaction and loan quality through timely, proactive communication.
Pursue Wells Fargo training to increase knowledge of products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, and ongoing regulatory requirements.
Provide reliable transportation and be able to work nights, weekends, and/or holidays as needed or scheduled.