Mortgage Retail Sales Consultant

Wells Fargo Bank•San Diego, CA

About The Position

At Wells Fargo, a Mortgage Retail Sales Consultant (SAFE) creates sales opportunities with mortgage retail clients and prospects and identifies, acquires, and grows relationships within a target market. The role handles moderately complex assignments, using independent judgment within established guidance to achieve measurable business, customer, risk, and operational outcomes. The position solicits residential mortgages, produces compliant, high-quality loans, and provides excellent customer service. It builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources; develops visibility for Wells Fargo Home Mortgage in the marketplace; and stays informed about mortgage industry developments in the assigned market. The consultant reviews and analyzes customer financial and credit data, matches customer needs to appropriate loan programs and risk levels, explains mortgage programs and requirements, and maintains timely, proactive customer communication. This SAFE position has customer contact and may involve offering or negotiating terms for, or taking applications for, dwelling-secured transactions. Employment requires compliance with the S.A.F.E. Mortgage Licensing Act and related regulations, SAFE registration, and Loan Originator qualification requirements. Ongoing employment is contingent on meeting applicable regulatory, background, financial responsibility, character, and fitness standards. Compensation includes an hourly base pay rate that meets or exceeds applicable minimum wage requirements, with the opportunity to earn additional commission. Eligible employees may receive a comprehensive benefits package.

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 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.

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 while providing excellent customer service.
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources.
Develop and 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 learning and adhering to policies, procedures, compliance requirements, and loan-generation expectations.
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; match customer needs with an appropriate loan program and level of risk.
Inform prospective and existing customers about Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures.
Maintain high client satisfaction and quality through timely, proactive customer communication.
Pursue Wells Fargo training to increase knowledge of company products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator qualification, and ongoing regulatory requirements.