Mortgage Retail Sales Consultant

Wells Fargo & Company•San Diego, CA

About The Position

At Wells Fargo, a Mortgage Retail Sales Consultant (SAFE) creates sales opportunities with mortgage retail clients and prospects, identifying, acquiring, and growing relationships in a target market. The role involves moderately complex assignments and independent judgment within established guidance to deliver measurable business, customer, risk, and operational outcomes. The position solicits residential mortgages, produces compliant loans with excellent customer service, and builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources. The consultant maintains visibility for Wells Fargo Home Mortgage in the marketplace, monitors mortgage industry developments in the assigned market, and presents recommendations for producing loans. The role includes receiving customer applications, quoting rates and points, completing registration and lock-in follow-up, and analyzing and recommending mortgage products based on customer needs. The consultant reviews low- to moderately complex financial and credit data, matches customers to appropriate loan programs and risk levels, and explains programs, rates, policies, underwriting requirements, and procedures while maintaining timely, proactive customer communication. This SAFE position may involve offering or negotiating terms and/or taking applications for dwelling-secured transactions. Employment requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and related regulations, including SAFE registration and Loan Originator qualification requirements. Continued employment is contingent on meeting applicable regulatory requirements and acceptable background investigation results.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination.
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, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.
Provide accurate information and supporting documentation for lawful employment and education verification.
Directly represent one's own experiences during the recruiting and hiring process.

Nice To Haves

Experience applying consumer lending, credit management, and customer contacts in a business environment.
Documented retail residential mortgage fundings over the past 12 months referred primarily from established local external sources.
Experience applying facilitation, home mortgages, and loan closings in a business environment.
Experience applying loan processing, loan servicing, and mortgage banking in a business environment.
Experience with mortgage licensing, mortgage sales, and mortgage servicing in a business environment.
Experience with real estate, real estate lending, and real estate transactions in a business environment.
Experience applying relationship building, retail sales, and sales pipeline management.

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.
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 independent judgment while following relevant policies, procedures, and compliance requirements.
Understand real estate appraisals, title reports, and real estate transactions; receive applications, quote rates and points, and complete registration and lock-in follow-up activities.
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 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 increase knowledge of company products, policies, procedures, and underwriting requirements.
Obtain and maintain required SAFE registration and meet applicable Loan Originator and ongoing regulatory requirements.