Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Allentown, PA

About The Position

Wells Fargo is hiring a Mortgage Retail Sales Consultant in Consumer Lending as part of Home Lending. The role solicits residential mortgage loans, builds relationships with referral sources, and provides mortgage recommendations and products aligned with customer needs. It involves receiving applications, quoting rates and points, completing registration and lock-in follow-up, and reviewing financial and credit data to determine appropriate loan programs and risk levels. The consultant informs customers about mortgage programs, rates, policies, underwriting requirements, and loan procedures, while maintaining proactive communication and a high standard of customer service. The position requires understanding real estate appraisals, title reports, and real estate transactions, staying current on industry developments, and following Wells Fargo policies, procedures, compliance requirements, and applicable risk programs. This is a SAFE position involving customer contact and potentially offering or negotiating terms or taking applications for dwelling-secured transactions. SAFE registration is required at employment, and continued employment is contingent on meeting applicable registration, background, financial responsibility, character, fitness, and regulatory requirements. Reliable transportation is required, and the position may require nights, weekends, or holidays as needed or scheduled.

Requirements

2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education.
SAFE registration at the time of employment.
Meet applicable Loan Originator qualification requirements, including 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 mortgage loans 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.
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, 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 customer needs and offer appropriate mortgage loan products.
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 customer satisfaction and loan quality through timely, proactive communication.
Pursue Wells Fargo training to increase knowledge of company products, policies, procedures, and underwriting requirements.
Meet SAFE registration and Loan Originator requirements and comply with related Wells Fargo policies and ongoing regulatory requirements.
Follow applicable risk and compliance programs, escalate and remediate issues, and make sound risk decisions.
Provide reliable transportation and work nights, weekends, and/or holidays as needed or scheduled.