Mortgage Retail Sales Consultant

Wells Fargo•Mooresville, NC

About The Position

Wells Fargo is hiring a Mortgage Retail Sales Consultant (SAFE) 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. The consultant 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 local marketplace and staying informed about mortgage industry trends. The position involves receiving customer applications, quoting rates and points, completing follow-up and registration lock-in activities, and analyzing customer needs to recommend suitable mortgage products and loan programs. The consultant reviews low- to moderately complex financial and credit data, understands real estate appraisals, title reports, and transactions, and explains programs, rates, policies, underwriting requirements, and loan procedures to customers. The role requires proactive customer communication, ongoing product and policy learning, and adherence to applicable mortgage sales 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 is contingent on satisfying SAFE registration, Loan Originator qualification, background, financial responsibility, character, and ongoing regulatory requirements. The role also requires reliable transportation, the ability to lift 20 or more pounds, and availability 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.
Loan Originator qualification requirements include applicable financial responsibility, character, general financial fitness, and criminal background standards.
Successful candidates must meet ongoing regulatory requirements, including additional screening if necessary.
Ability to lift 20 or more pounds.
Reliable transportation.
Ability to work nights, weekends, and/or holidays as needed or scheduled.

Nice To Haves

Basic Microsoft Office skills.
Documented retail residential mortgage fundings over the past 12 months referred primarily from established local external sources.
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.
Customer service experience.

Responsibilities

Solicit residential mortgage business 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 applicable policies, procedures, and compliance requirements.
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 customer needs and offer appropriate mortgage loan products.
Review low- to moderately complex financial and credit data, match customer needs with an appropriate loan program, and assess the 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 develop knowledge of products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, background, and ongoing regulatory requirements.
Follow applicable risk, compliance, escalation, and remediation requirements and make sound risk decisions.