Bank of America
Community Lending Officer - Mira Vista
Bank of America, Richmond, California, United States, 94875
Job Overview
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth, including our commitment to an inclusive workplace, attracting and developing exceptional talent, supporting teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and making an impact in the communities we serve. Bank of America is committed to an in‑office culture with specific requirements for office‑based attendance and appropriate flexibility for our teammates and businesses based on role‑specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Responsibilities
Originates loans from multiple internal and external referral sources. Understand the local Affordable Housing Market, Housing Assistance Programs, and provide thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers. Achieve production goals as defined by the business. Maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. Provide exceptional customer service, including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements. Conduct monthly Home Buyer Workshops and Business Development meetings. Required Qualifications
2+ years of experience in loan originations and/or home buyer education. Knowledge of conventional and/or government guidelines as well as affordable mortgage products and programs. Knowledge of processing, underwriting and/or closing procedures/federal lending regulations governing real estate lending. Ability to organize and deliver Home Buyer Workshop presentations. Knowledge of community housing counseling agencies. Knowledge of community grant / downpayment programs. Strong written and verbal communications skills. Self‑motivated and highly organized. Ability to prioritize multiple competing tasks. Desired Qualifications
Experience in first mortgage and HELOC. Familiar with FHA and HUD guidelines. Knowledge of local competition product offerings and real estate market dynamics. Strong computer skills, including Microsoft applications and previous experience using laptop technology for client communication purposes including accessing rate, credit and loan status information. Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences. Ability to analyze and comprehend complex financial data and provide appropriate financial solutions. Professional and effective interpersonal skills. Skills
Client Management Customer and Client Focus Loan Structuring Oral Communications Referral Management Credit Documentation Requirements Learning Delivery Presentation Skills Prospecting Written Communications Active Listening Business Development Credit and Risk Assessment Data Collection and Entry Pipeline Management Minimum Education Requirement
High School Diploma / GED / Secondary School or equivalent. Shift
1st shift (United States of America). Hours Per Week
40. Compensation and Benefits
Location: US - CA - Richmond - 4800 MACDONALD AVE - MIRA VISTA BC (CA4124). Pay range: $27.96 - $32.23 hourly pay, offers to be determined based on experience, education and skill set. This role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee's performance against defined metrics. Benefits: This role is currently benefits eligible. We provide industry‑leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.
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At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth, including our commitment to an inclusive workplace, attracting and developing exceptional talent, supporting teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and making an impact in the communities we serve. Bank of America is committed to an in‑office culture with specific requirements for office‑based attendance and appropriate flexibility for our teammates and businesses based on role‑specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Responsibilities
Originates loans from multiple internal and external referral sources. Understand the local Affordable Housing Market, Housing Assistance Programs, and provide thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers. Achieve production goals as defined by the business. Maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. Provide exceptional customer service, including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements. Conduct monthly Home Buyer Workshops and Business Development meetings. Required Qualifications
2+ years of experience in loan originations and/or home buyer education. Knowledge of conventional and/or government guidelines as well as affordable mortgage products and programs. Knowledge of processing, underwriting and/or closing procedures/federal lending regulations governing real estate lending. Ability to organize and deliver Home Buyer Workshop presentations. Knowledge of community housing counseling agencies. Knowledge of community grant / downpayment programs. Strong written and verbal communications skills. Self‑motivated and highly organized. Ability to prioritize multiple competing tasks. Desired Qualifications
Experience in first mortgage and HELOC. Familiar with FHA and HUD guidelines. Knowledge of local competition product offerings and real estate market dynamics. Strong computer skills, including Microsoft applications and previous experience using laptop technology for client communication purposes including accessing rate, credit and loan status information. Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences. Ability to analyze and comprehend complex financial data and provide appropriate financial solutions. Professional and effective interpersonal skills. Skills
Client Management Customer and Client Focus Loan Structuring Oral Communications Referral Management Credit Documentation Requirements Learning Delivery Presentation Skills Prospecting Written Communications Active Listening Business Development Credit and Risk Assessment Data Collection and Entry Pipeline Management Minimum Education Requirement
High School Diploma / GED / Secondary School or equivalent. Shift
1st shift (United States of America). Hours Per Week
40. Compensation and Benefits
Location: US - CA - Richmond - 4800 MACDONALD AVE - MIRA VISTA BC (CA4124). Pay range: $27.96 - $32.23 hourly pay, offers to be determined based on experience, education and skill set. This role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee's performance against defined metrics. Benefits: This role is currently benefits eligible. We provide industry‑leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.
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