Mortgage Retail Sales Consultant (SAFE)

Wells Fargo Bank•Allentown, PA

23h

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, produces compliant, high-quality loans, and provides excellent customer service. The consultant builds relationships with referral sources and maintains visibility in the assigned marketplace while staying informed about mortgage industry trends and developments. The position involves receiving customer applications, discussing rates and points, following up on registration and rate lock-in, and analyzing customer needs to recommend suitable mortgage products and loan programs. The consultant reviews low- to moderately complex financial and credit information, explains Wells Fargo Home Mortgage programs and requirements, and maintains proactive communication and client satisfaction. The role also requires understanding real estate appraisals, title reports, and transactions, and pursuing company training to build knowledge of products, policies, procedures, and underwriting requirements. This is a SAFE position involving customer contact and potentially offering or negotiating terms or taking applications for dwelling-secured transactions. Employment is contingent on meeting SAFE Mortgage Licensing Act requirements, completing registration, and satisfying applicable Loan Originator qualification and ongoing regulatory standards, including background and financial-responsibility requirements. Reliable transportation is required, and the employee may need to work nights, weekends, or 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.
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 and related Wells Fargo policies, including applicable financial responsibility, character, 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 mortgages and purchase fundings over the past 12 months referred primarily from established local or external sources.
Experience educating clients about 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 and provide excellent customer service.
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources.
Develop and maintain marketplace visibility for Wells Fargo Home Mortgage 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, 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 client needs and offer appropriate mortgage loan products and programs.
Review and analyze low- to moderately complex financial and credit data, matching customer needs with an appropriate loan program and risk level.
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.
Use reliable transportation and work nights, weekends, and/or holidays when needed or scheduled.
Follow applicable Wells Fargo risk and compliance programs, policies, and procedures; identify and escalate issues and make sound risk decisions.