Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Woodbridge, VA

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. The position solicits residential mortgages 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 referral sources, while developing visibility for Wells Fargo Home Mortgage and staying informed about trends in the assigned market. The role receives customer applications, quotes rates and points, completes registration and lock-in follow-up, and analyzes customer needs to recommend suitable mortgage products and risk levels. It reviews low- to moderately complex financial and credit data; informs customers about programs, rates, policies, underwriting requirements, and procedures; and maintains timely, proactive communication. The consultant also develops knowledge through Wells Fargo training and applies applicable policies, procedures, and compliance requirements. This is a SAFE position involving customer contact and potentially offering or negotiating terms or taking applications for dwelling-secured transactions. Employment depends on meeting SAFE Mortgage Licensing Act and related regulatory requirements, including registration, background and other applicable screening, and Loan Originator qualification requirements. Reliable transportation is required, and work may include nights, weekends, or holidays as needed or scheduled. Compensation includes hourly base pay at or above applicable minimum wage, with the opportunity to earn additional commission.

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; Wells Fargo initiates the registration process after the employment start date.
Meet Consumer Financial Protection Bureau Loan Originator qualification requirements, including applicable 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, including 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 mortgages 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 Wells Fargo Home Mortgage visibility 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 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 communication.
Pursue Wells Fargo training to increase knowledge of products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, and applicable ongoing regulatory requirements.
Use reliable transportation and work nights, weekends, and/or holidays as needed or scheduled.