Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Plymouth Meeting, PA

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant in Consumer Lending as part of Home Lending. The position solicits residential mortgages, originates compliant loans, and provides excellent customer service. It builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other referral sources while maintaining visibility in the marketplace and staying informed about mortgage industry trends in the assigned market. The consultant receives customer applications, quotes rates and points, follows up on registrations and rate lock-ins, and analyzes customer needs to recommend appropriate mortgage products and levels of risk. The role reviews low- to moderately complex financial and credit data and requires understanding real estate appraisals, title reports, and transactions. The consultant also informs customers about Wells Fargo programs, rates, policies, underwriting requirements, and loan procedures, and maintains timely, proactive communication and high customer satisfaction. This is a SAFE position with customer contact that may involve offering or negotiating terms and/or taking applications for dwelling-secured transactions. Employment requires SAFE registration and compliance with the S.A.F.E. Mortgage Licensing Act, Regulation Z Loan Originator requirements, applicable Consumer Financial Protection Bureau qualifications, and Wells Fargo policies. Ongoing employment is contingent on meeting regulatory, background, financial responsibility, and other screening requirements. The role may require reliable transportation, lifting more than 20 pounds, and working nights, weekends, and/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, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.
Ability to lift more than 20 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 during 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 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 referral 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 functional 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 rate lock-in.
Analyze customer needs and offer appropriate mortgage 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 products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, and ongoing regulatory requirements.