Mortgage Retail Sales Consultant (SAFE)

Wells Fargo & Company•Parkville, MD

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, builds relationships with referral sources, and produces compliant, high-quality loans while providing excellent customer service. The consultant develops visibility for Wells Fargo Home Mortgage in the market and stays informed about mortgage industry trends and developments in the assigned market. The role includes receiving customer applications, quoting rates and points, completing follow-up activities related to registration lock-in, and analyzing and offering mortgage products based on customer needs. The consultant reviews low- to moderately complex financial and credit information, matches customer needs with appropriate loan programs and risk levels, and informs customers about programs, rates, policies, underwriting requirements, and loan procedures. Timely, proactive customer communication and continued training are expected. This is a SAFE position involving customer contact and potentially offering or negotiating terms or taking applications for dwelling-secured transactions. Employment requires compliance with the S.A.F.E. Mortgage Licensing Act and related regulations, SAFE registration, and Loan Originator qualification requirements. Ongoing employment is contingent on meeting applicable regulatory and background-screening requirements. Reliable transportation is required, and the role may require work at night, on 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; Wells Fargo initiates the registration process after the employment start date.
Meet Consumer Financial Protection Bureau Loan Originator qualification requirements and applicable financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.
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, including 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.
Develop and 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 knowledge of and adherence to 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 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 about 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 risk and compliance programs, policies, and procedures; escalate and remediate issues as required.