Mortgage Retail Sales Consultant (SAFE)

Wells Fargo Bank•Bear, DE

16h

About The Position

Wells Fargo is seeking a Mortgage Retail Sales Consultant in Consumer Lending as part of Home Lending. The role solicits residential mortgage business, produces compliant loans, and delivers excellent customer service. The consultant builds and maintains relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources, while developing visibility for Wells Fargo Home Mortgage in the marketplace and staying informed about local mortgage industry trends. The consultant presents recommendations for producing loans and exercises some independent judgment while learning and adhering to the functional area's policies, procedures, and compliance requirements. The role includes understanding real estate appraisals, title reports, and transactions; receiving customer applications; quoting rates and points; completing registration and lock-in follow-up; and analyzing customer needs to offer appropriate mortgage products. It also involves reviewing low- to moderately complex financial and credit data, explaining programs, rates, policies, underwriting requirements, and procedures, and maintaining timely, proactive communication and high customer satisfaction. The consultant is expected to pursue Wells Fargo training to develop knowledge of products, policies, procedures, and underwriting requirements. This SAFE position involves customer contact and may include offering or negotiating terms and/or taking applications for dwelling-secured transactions. Employment is contingent on meeting applicable SAFE Mortgage Licensing Act requirements, registration requirements, background standards, and Loan Originator qualification requirements under Regulation Z and related Wells Fargo policies. A current credit report is used to assess financial responsibility and credit fitness; a credit score is not included in the evaluation. Successful candidates must meet ongoing regulatory requirements, including any additional screening that may be necessary. Reliable transportation is required, and the role may require work nights, 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 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 mortgage business 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.
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 adherence to applicable 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, complete registration and lock-in follow-up, and analyze and offer mortgage products based on client needs.
Review and analyze low- to moderately complex financial and credit data and match customer needs with appropriate loan programs and risk levels.
Inform prospective and existing customers about 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, background, and ongoing regulatory requirements.
Provide reliable transportation and work nights, weekends, and/or holidays as needed or scheduled.