Mortgage Retail Sales Consultant (SAFE)

Wells Fargo•Saint Cloud, MN

23h

About The Position

Wells Fargo is hiring a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. The role solicits residential mortgage applications from various sources and produces compliant, high-quality loans while delivering excellent customer service. The consultant builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional referral sources, and maintains visibility for Wells Fargo Home Mortgage in the local marketplace while keeping informed about mortgage industry developments. The position receives customer applications, quotes rates and points, follows up on registration and lock-in activities, analyzes customer needs, and offers appropriate mortgage products. It reviews low- to moderately complex financial and credit data to match customer needs with a loan program and risk level. The consultant informs current and prospective customers about programs, rates, policies, underwriting requirements, and loan procedures, and maintains timely, proactive communication. The role also requires understanding real estate appraisals, title reports, and transactions, exercising some independent judgment, adhering to applicable policies and compliance requirements, and pursuing Wells Fargo training. This is a SAFE position involving customer contact and potentially offering or negotiating terms 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 qualification and ongoing regulatory requirements also apply. The role requires the ability to lift more than 20 pounds, reliable transportation, and availability to work nights, weekends, and/or holidays as needed or scheduled. Compensation includes an hourly base rate meeting applicable minimum wage requirements, with the opportunity to earn commission.

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 required at the time of employment; Wells Fargo initiates the registration process after the employment start date.
Meet Loan Originator qualification requirements, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.
Ability to lift more than 20 pounds.
Reliable transportation.
Ability to work nights, weekends, and/or holidays as needed or scheduled.

Nice To Haves

Basic Microsoft Office skills.
Documented retail residential mortgage fundings over 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.

Responsibilities

Solicit residential mortgages from various sources and produce high-quality, compliant loans with 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 adhering 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 and lock-in.
Analyze customer needs and offer appropriate mortgage loan products.
Review and analyze low- to moderately complex financial and credit data; 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 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, background screening, and ongoing regulatory requirements.
Follow applicable risk programs, policies, procedures, compliance obligations, and escalation requirements.