Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Bensalem Township, PA

10d

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant. In this role, you will participate in soliciting residential mortgages from various sources, produce high quality loans that are compliant and provide excellent customer service, and build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources. You will develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace, stay informed of mortgage industry trends and developments, and present recommendations for producing loans. You will exercise independent judgment while developing an understanding of and adherence to Mortgage Retail Sales functional area policies, procedures, compliance requirements, and generating loans. You will also understand real estate appraisals, title reports, and real estate transactions. Additionally, you will receive customer applications, quote rates and points, complete follow-up activities, analyze and offer mortgage loan products based on client needs, review and analyze financial and credit data, match customer needs with appropriate loan programs and risk levels, and inform customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures, while maintaining high standards of client satisfaction and quality through timely and proactive communication. You will also pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements. This SAFE position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations, including acceptable background investigation results and meeting Loan Originator (LO) qualification requirements under Regulation Z.

Requirements

2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date.
Meeting the Loan Originator (LO) qualification requirements including applicable financial responsibility, character, general financial fitness and criminal background standards.
Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

Responsibilities

Participate in soliciting residential mortgages from various sources
Produce high quality loans which are compliant and provide excellent customer service
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of 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 Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
Understand real estate appraisals, title reports, and real estate transactions
Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs
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 of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements