Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Description:
This job is responsible for answering inbound calls and initiating outbound calls within a call center to assist new and existing clients with determining the best solution for financing the purchase of a home, refinancing an existing mortgage, or obtaining a new home equity line of credit. Key responsibilities include analyzing the clients financial goals, determining the most optimal lending product solution, submitting the mortgage application, assisting clients with gathering supporting loan documentation, and keeping clients informed throughout the mortgage loan process. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Responsibilities:

Provides exceptional client careAnswers inbound calls and make outbound calls to provide new and existing clients with guidance and advice to uncover lending needs and assist them with determining the best solutionUtilizes multiple technology systems to assist customers and referral partnersLeverages defined lending processes and policies to meet guidelines and manage risksCommunicates consistently with clients and business partners through outbound calls, email, and online messaging systems throughout the lending processIdentifies opportunities through conversations with clients to recommend the bank's products through partner referrals as part of one team that delivers exceptional client care

Required Qualifications:

Has 1+ year of home loan origination or mortgage experienceBilingual – Spanish RequiredHas a strong relationship-deepening and client care mentalityActively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.Has an ability to assess client needs and suggest/promote alternative products or servicesHas ability to learn all platform systems utilized within the environment and/or aptitude in system technologiesHas effective customer service skills with ability to manage the full client end-to-end origination experience and problem resolution at key points in lending processHas an ability to work under pressure during high volumes Has an ability to build and maintain positive rapport with service partners.Can prioritize multiple competing tasks.Has adaptability and is flexible to change.Is a strong communicator, written, oral and non-verbal.Demonstrates solid sales production over a sustained time frame.Can be flexible to work weekends and/or extended hours as needed.Communicates professionally, effectively and confidently and is comfortable engaging all clients over the phone.Has an ability to handle multiple lines of business and models to support changing business needs.Independently works with other business partners to expedite post-sale issues or problem resolutionHas the ability to effectively balance performance, operational risk, and client relationship care.Demonstrates a commitment to professional ethic and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State Compliance policies.
 

Desired Qualifications:

Has knowledge of loan products (Conventional, Jumbo and Government)Can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.Familiarity with FHA and HUD guidelines.Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending.The ability to analyze and comprehend complex financial data and provide financial alternatives.Strong consultative skills including the ability to ask critical questions to identify opportunities

Skills:

Attention to DetailClient Solutions AdvisoryCustomer and Client FocusOral CommunicationsWritten CommunicationsClient ManagementLoan StructuringPipeline ManagementProblem SolvingCollaborationCredit Documentation RequirementsCritical ThinkingReferral IdentificationReferral Management

Shift:

1st shift (United States of America)

Hours Per Week: 

40