Bank of America
Credit Solutions Advisor - Westcliff Plaza
Bank of America, Newport Beach, California, us, 92659
Overview
Credit Solutions Advisor II – Westcliff Plaza. This role is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care. This position is subject to SAFE Act registration requirements. All employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. The employee must 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 termination. Minimum Education: High School Diploma / GED / Secondary School or equivalent. This description includes the duties, qualifications, and expectations for a role focused on client lending and relationship management within Bank of America. Responsibilities
Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of the client’s life plan. Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank. Analyzes the client’s financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client’s priorities. Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process via outbound calls, email, and online messaging. Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs. Responds to client requests and makes referrals to appropriate internal partners based on client needs. Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience. Required Qualifications
Minimum of 2 years of mortgage origination experience. In lieu of this requirement, previously held roles listed (1 year) at Bank of America in related lending or banking roles. Knowledge of credit and home lending requirements. Actively listens to the client to determine needs and goals and proactively engages with clients. Communicates professionally, effectively, and confidently in person and over the phone. Critical thinker who can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather additional information as needed. Effective customer service skills with the ability to manage the full client end-to-end experience and problem resolution. Strong written and verbal communications skills. Ability to handle ambiguity and adapt to changing circumstances. Dedicated, enthusiastic, driven and performance-oriented with a strong work ethic. Flexible to work weekends and/or extended hours as needed. Team player and collaborator who translates knowledge into productive internal and external relationships. Ability to learn and understand technology. Commitment to professional ethics and compliance with applicable Federal and State policies and regulatory due diligence. Desired Qualifications
Experience working in a financial center where goals were met or exceeded. Knowledge in analyzing complex financial data and providing financial alternatives. Knowledge of banking products and services. Solid time management skills to organize, prioritize and perform multiple tasks. Experience in a loan origination role in a retail environment with knowledge of Mortgage Products (Conventional, Jumbo and HELOC, Government) and related processes (Structuring, Processing, underwriting and closing procedures). FHA and HUD guidelines; Other Lending Products (Credit Card, Vehicle Loans). Strong computer skills including MS applications and prior laptop technology experience. Skills
Client Management Client Solutions Advisory Customer and Client Focus Referral Identification Client Experience Branding Credit Documentation Requirements Credit and Risk Assessment Referral Management Attention to Detail Issue Management Prospecting Relationship Building Equal Employment Opportunity: Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and affirm the concept of equal employment opportunity and affirmative action in accordance with all applicable laws. To proceed with your application, you must be at least 18 years of age.
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Credit Solutions Advisor II – Westcliff Plaza. This role is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care. This position is subject to SAFE Act registration requirements. All employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. The employee must 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 termination. Minimum Education: High School Diploma / GED / Secondary School or equivalent. This description includes the duties, qualifications, and expectations for a role focused on client lending and relationship management within Bank of America. Responsibilities
Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of the client’s life plan. Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank. Analyzes the client’s financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client’s priorities. Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process via outbound calls, email, and online messaging. Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs. Responds to client requests and makes referrals to appropriate internal partners based on client needs. Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience. Required Qualifications
Minimum of 2 years of mortgage origination experience. In lieu of this requirement, previously held roles listed (1 year) at Bank of America in related lending or banking roles. Knowledge of credit and home lending requirements. Actively listens to the client to determine needs and goals and proactively engages with clients. Communicates professionally, effectively, and confidently in person and over the phone. Critical thinker who can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather additional information as needed. Effective customer service skills with the ability to manage the full client end-to-end experience and problem resolution. Strong written and verbal communications skills. Ability to handle ambiguity and adapt to changing circumstances. Dedicated, enthusiastic, driven and performance-oriented with a strong work ethic. Flexible to work weekends and/or extended hours as needed. Team player and collaborator who translates knowledge into productive internal and external relationships. Ability to learn and understand technology. Commitment to professional ethics and compliance with applicable Federal and State policies and regulatory due diligence. Desired Qualifications
Experience working in a financial center where goals were met or exceeded. Knowledge in analyzing complex financial data and providing financial alternatives. Knowledge of banking products and services. Solid time management skills to organize, prioritize and perform multiple tasks. Experience in a loan origination role in a retail environment with knowledge of Mortgage Products (Conventional, Jumbo and HELOC, Government) and related processes (Structuring, Processing, underwriting and closing procedures). FHA and HUD guidelines; Other Lending Products (Credit Card, Vehicle Loans). Strong computer skills including MS applications and prior laptop technology experience. Skills
Client Management Client Solutions Advisory Customer and Client Focus Referral Identification Client Experience Branding Credit Documentation Requirements Credit and Risk Assessment Referral Management Attention to Detail Issue Management Prospecting Relationship Building Equal Employment Opportunity: Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and affirm the concept of equal employment opportunity and affirmative action in accordance with all applicable laws. To proceed with your application, you must be at least 18 years of age.
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