Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Cypress, TX

About The Position

Wells Fargo is hiring a Mortgage Retail Sales Consultant 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. 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 market and keeping informed about mortgage industry developments. The consultant receives customer applications, quotes rates and points, completes follow-up activities associated with registration and rate lock-in, and analyzes and offers loan products suited to customer needs. The role reviews low- to moderately-complex financial and credit data, matches customer needs to appropriate loan programs and risk levels, and informs prospective and existing customers about programs, rates, policies, underwriting requirements, and procedures. It requires knowledge of appraisals, title reports, and real estate transactions, plus adherence to mortgage policies, procedures, compliance requirements, and risk programs. The position is subject to SAFE registration and Loan Originator qualification and regulatory requirements.

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; ongoing employment is contingent on meeting applicable SAFE requirements and acceptable background investigation results.
Loan Originator qualification requirements include applicable financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.

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.
Vietnamese/English bilingual speaking proficiency.
Spanish/English bilingual speaking proficiency.

Responsibilities

Solicit residential mortgage business 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 functional-area policies, procedures, compliance requirements, and loan-generation practices.
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 and offer mortgage loan products based on client needs.
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 Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures.
Maintain 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.