Mortgage Retail Sales Consultant (SAFE)

Wells Fargo Bank•Harrisburg, TX

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant in Consumer Lending as part of Home Lending. The role solicits residential mortgages, produces compliant, high-quality loans, and provides excellent customer service. The consultant builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources; maintains visibility for Wells Fargo Home Mortgage in the marketplace; and stays informed about mortgage industry trends and developments in the assigned market. The position involves receiving customer applications, quoting rates and points, completing follow-up activities related to registration and rate lock-in, and analyzing and offering mortgage products based on client needs. The consultant reviews low- to moderately complex financial and credit data, matches customer needs with appropriate loan programs and risk levels, and informs prospective and existing customers about programs, rates, policies, underwriting requirements, and loan procedures. Maintaining customer satisfaction through timely, proactive communication is expected. The role also requires pursuing Wells Fargo training to increase knowledge of company products, policies, procedures, and underwriting 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 requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and related regulations, including SAFE registration at employment and ongoing regulatory requirements. Loan Originator qualification requirements apply, including applicable financial responsibility, character, financial fitness, and criminal background standards. A current credit report is used to assess financial responsibility and credit fitness; a credit score is not included in the evaluation.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
SAFE registration is required at the time of employment.
Meet applicable Loan Originator qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Comply with applicable SAFE, Loan Originator, and ongoing regulatory requirements.

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 loans from various sources and produce compliant, high-quality loans while providing excellent customer service.
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources.
Maintain Wells Fargo Home Mortgage visibility 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 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 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 risk level.
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.