Mortgage Retail Sales Consultant

Wells Fargo•Indio, CA

About The Position

Wells Fargo is seeking a CA-WA Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. The role solicits residential mortgages from multiple sources, produces compliant, high-quality loans, and provides excellent customer service. The consultant builds professional referral relationships, maintains visibility for Wells Fargo Home Mortgage in the marketplace, and stays informed about mortgage-industry developments in the assigned market. The position receives customer applications, quotes rates and points, follows up on registration and lock-in activities, analyzes customer needs and financial and credit information, and recommends appropriate mortgage products and programs. It also involves explaining Wells Fargo programs, rates, policies, underwriting requirements, and procedures to prospective and existing customers, while maintaining timely and proactive communication and a high standard of customer satisfaction. The consultant is expected to pursue company training and comply with applicable mortgage policies, procedures, and regulatory requirements. This is a SAFE position with customer contact and duties that may include offering or negotiating terms and taking applications for dwelling-secured transactions. SAFE registration is required at employment; ongoing employment depends on meeting applicable SAFE and Loan Originator requirements, including background and other regulatory standards. The role also requires reliable transportation, the ability to lift more than 20 pounds, and the ability to work nights, weekends, and/or holidays as needed or scheduled. Compensation includes an hourly base pay rate that meets or exceeds applicable minimum wage requirements, with the opportunity to earn commission.

Requirements

At least 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 and compliance with applicable Loan Originator requirements.
Meet applicable financial responsibility, character, general financial fitness, and criminal background standards.
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 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 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 marketplace visibility for Wells Fargo Home Mortgage 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 functional-area 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 and analyze low- to moderately-complex financial and credit data, matching customer needs to an appropriate loan program and risk level.
Inform prospective and existing customers about Wells Fargo Home 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, Loan Originator qualification, and ongoing regulatory requirements.
Follow applicable Wells Fargo risk, compliance, and policy requirements.