Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Tampa, FL

About The Position

At Wells Fargo, a Mortgage Retail Sales Consultant (SAFE) creates sales opportunities with mortgage retail clients and prospects and identifies, acquires, and grows new relationships within a target market. The role involves moderately complex assignments and independent judgment within established guidance to deliver measurable business, customer, risk, and operational outcomes. The position requires customer contact and may include offering or negotiating terms and/or taking applications for dwelling-secured transactions. It is subject to the S.A.F.E. Mortgage Licensing Act of 2008 and related regulations. Continued employment depends on meeting these requirements, including acceptable background investigation results. SAFE registration is required at the time of employment, and Wells Fargo initiates the registration process after the employment start date. Loan Originator employees must also meet Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies, including standards for financial responsibility, character, financial fitness, and criminal background. A current credit report is used to assess financial responsibility and credit fitness; a credit score is not part of the evaluation. Ongoing regulatory requirements may include additional screening.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
SAFE registration at the time of employment.
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.

Nice To Haves

Experience applying consumer lending, credit management, and customer contacts in a business environment.
Experience applying facilitation, home mortgages, and loan closings in a business environment.
Experience applying loan processing, loan servicing, and mortgage banking in a business environment.
Experience with mortgage licensing, mortgage sales, and mortgage servicing in a business environment.
Experience with real estate, real estate lending, and real estate transactions in a business environment.
Experience applying relationship building, retail sales, and sales pipeline management.

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.
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 Mortgage Retail Sales 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 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 Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures.
Maintain client satisfaction and quality through timely, proactive customer communication.
Pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, background, and ongoing regulatory requirements.