CA-WA Mortgage Retail Sales Consultant

Wells Fargo•Irvine, CA

1d•Onsite

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant. In this role, you will participate in soliciting residential mortgages from various sources, produce high-quality, compliant loans, and provide excellent customer service. You will build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources. You will develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace and stay informed of mortgage industry trends and developments. You will present recommendations for producing loans, exercise independent judgment, and adhere to Mortgage Retail Sales policies, procedures, and compliance requirements. You will also understand real estate appraisals, title reports, and real estate transactions. Additionally, you will receive customer applications, quote rates and points, complete follow-up activities, analyze and offer mortgage loan products based on client needs, and review financial and credit data. You will inform customers about Wells Fargo Home Mortgage programs, rates, policies, and procedures, ensuring timely and proactive communication and maintaining high client satisfaction. You are encouraged to pursue Wells Fargo training offerings to enhance your knowledge of company products, policies, and procedures. This is a SAFE position requiring S.A.F.E. Mortgage Licensing Act compliance, including background investigations and meeting Loan Originator requirements under Regulation Z.

Requirements

2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Experience in Mortgage Retail Sales, or equivalent demonstrated through one or a combination of the following: work experience, training, education (for Europe, Middle East & Africa only)
This SAFE position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations.
Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies.
The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards.
A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation.
Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

Responsibilities

Participate in soliciting residential mortgages from various sources
Produce high quality loans which are compliant and provide excellent customer service
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market
Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
Understand real estate appraisals, title reports, and real estate transactions
Receive customer applications, quote the rate and points, and complete follow-up activities with the registration 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 level of risk
Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements