Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Lititz, PA

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. The role 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 non-traditional sources, while maintaining visibility for Wells Fargo Home Mortgage in the marketplace and staying informed about mortgage industry trends in the assigned market. The consultant receives customer applications, quotes rates and points, completes follow-up activities related to registration lock-in, and analyzes and offers mortgage products according to client needs. The role reviews low- to moderately complex financial and credit data, matches customer needs with appropriate loan programs and risk levels, and explains company programs, rates, policies, underwriting requirements, and loan procedures. It also involves understanding real estate appraisals, title reports, and transactions; pursuing company training; and following applicable policies, procedures, and compliance requirements. This SAFE position includes customer contact and duties that may involve offering or negotiating terms and/or taking applications for dwelling-secured transactions. Employment is contingent on meeting SAFE Mortgage Licensing Act and related regulatory requirements, including acceptable background investigation results. Loan Originator requirements under Regulation Z and applicable Consumer Financial Protection Bureau qualifications and Wells Fargo policies also apply. The position requires SAFE registration at employment; Wells Fargo initiates the registration process after the start date. Reliable transportation is required, and the role may require 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 at the time of employment and compliance with applicable SAFE Mortgage Licensing Act and related regulatory requirements.
Meet applicable Loan Originator qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
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, with 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 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 some independent judgment while developing understanding of and adherence to applicable policies, procedures, and compliance requirements.
Understand real estate appraisals, title reports, and real estate transactions.
Receive customer applications, quote rates and points, complete registration lock-in follow-up activities, and analyze and offer mortgage products based on client needs.
Review and analyze low- to moderately complex financial and credit data, and match 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 quality through timely, proactive communication.
Pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements.
Meet SAFE registration, Loan Originator, and ongoing regulatory requirements.