Mortgage Retail Sales Consultant (SAFE)

Wells Fargo & Company•Baltimore, MD

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. The role involves soliciting residential mortgage business, producing compliant loans, providing excellent customer service, and developing relationships with realtors, builders, financial professionals, bank stores, past customers, and other referral sources. The consultant develops visibility for Wells Fargo Home Mortgage in the marketplace and stays informed about mortgage industry trends and developments in the assigned market. The consultant receives customer applications, quotes rates and points, completes follow-up activities related to registration and rate lock-in, and analyzes customer needs to recommend suitable mortgage products and loan programs. The role reviews low- to moderately complex financial and credit information, explains Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and procedures, and maintains timely, proactive communication to support customer satisfaction and loan quality. The position also requires ongoing training and compliance with SAFE Mortgage Licensing Act requirements and applicable Loan Originator rules. Employment is contingent on meeting applicable SAFE registration and Loan Originator qualification requirements, including background and financial-responsibility standards and any ongoing regulatory screening. Reliable transportation is required, and the employee may need to work nights, weekends, or holidays as needed or scheduled. Compensation includes an hourly base pay rate meeting or exceeding applicable minimum-wage requirements, with the opportunity to earn additional commission.

Requirements

At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education.
SAFE registration is required 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, including 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 and 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, exercise some independent judgment, and develop understanding of and adherence to the Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and loan generation.
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 customer needs and offer appropriate mortgage loan products.
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 customer satisfaction and loan 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.
Follow applicable risk and compliance programs, policies, and procedures; escalate and remediate issues as appropriate and make sound risk decisions.