The Association of Technology, Management and Applied Engineering
Credit Solutions Advisor - Morgan Hill, CA; Bilingual Spanish Required
The Association of Technology, Management and Applied Engineering, Morgan Hill, California, us, 95038
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. 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. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make 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 which allows for an appropriate level of 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. Join us!
Position Overview This role is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. The candidate will deliver First Mortgage and HELOC lending products in person or by telephone and provide additional 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 mortgagist originations must register with the federal registry system and remain in good standing. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
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 unique 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 through 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.
If not met, candidates who have previously held the role of: Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year.
Knowledge of credit and home lending requirements.
Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
Has effective customer service skills with ability to manage the full client end‑to‑end experience and problem resolution.
Strong written and verbal communication skills.
Ability to handle ambiguity and adapt to changing circumstances.
Dedicated, enthusiastic, driven and performance‑oriented; possesses a strong work ethic.
Can be flexible to work weekends and/or extended hours as needed.
A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
Ability to learn and understand technology.
Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence, as well as complying with all Federal and State compliance policies.
Fluency in English and Spanish (Bilingual) is required.
Desired Qualifications
Experience working in a financial center where goals were met or exceeded.
Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
Knowledge of banking products and services.
Solid time management skills and ability to organize, prioritize and perform multiple tasks simultaneously.
Experience in a loan origination role in a retail environment and knowledge of Mortgage Products (Conventional, Jumbo, HELOC, Government).
Understanding of structuring, processing, underwriting and closing procedures.
Knowledge of federal regulations governing real estate lending, FHA and HUD guidelines.
Experience with other lending products (Credit Card, Vehicle Loans).
Strong computer skills including MS applications and previous experience utilizing laptop technology.
Skills
Client Management
Client Solutions Advisory
Customer and Client Focus
Referral Identification
Risk Management
Client Experience Branding
Credit Documentation Requirements
Credit and Risk Assessment
Pipeline Management
Referral Management
Attention to Detail
Collaboration
Issue Management
Prospecting
Relationship Building
Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent.
Shift 1st shift (United States of America)
Hours Per Week 40
Pay Transparency Details US - CA - Morgan Hill - 101 Vineyard Town Ctr - MORGAN HILL BC (CA2120)
Pay and Benefits Information Pay range: $25.00 – $29.61 hourly pay, offers to be determined based on experience, education and skill set.
Formulaic incentive eligible: This role may participate in a formulaic incentive plan, with incentives earned based on 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.
Legal Notice The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor: FDIC, Safe Act/Loan Originators.
#J-18808-Ljbffr
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make 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 which allows for an appropriate level of 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. Join us!
Position Overview This role is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. The candidate will deliver First Mortgage and HELOC lending products in person or by telephone and provide additional 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 mortgagist originations must register with the federal registry system and remain in good standing. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
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 unique 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 through 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.
If not met, candidates who have previously held the role of: Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year.
Knowledge of credit and home lending requirements.
Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
Has effective customer service skills with ability to manage the full client end‑to‑end experience and problem resolution.
Strong written and verbal communication skills.
Ability to handle ambiguity and adapt to changing circumstances.
Dedicated, enthusiastic, driven and performance‑oriented; possesses a strong work ethic.
Can be flexible to work weekends and/or extended hours as needed.
A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
Ability to learn and understand technology.
Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence, as well as complying with all Federal and State compliance policies.
Fluency in English and Spanish (Bilingual) is required.
Desired Qualifications
Experience working in a financial center where goals were met or exceeded.
Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
Knowledge of banking products and services.
Solid time management skills and ability to organize, prioritize and perform multiple tasks simultaneously.
Experience in a loan origination role in a retail environment and knowledge of Mortgage Products (Conventional, Jumbo, HELOC, Government).
Understanding of structuring, processing, underwriting and closing procedures.
Knowledge of federal regulations governing real estate lending, FHA and HUD guidelines.
Experience with other lending products (Credit Card, Vehicle Loans).
Strong computer skills including MS applications and previous experience utilizing laptop technology.
Skills
Client Management
Client Solutions Advisory
Customer and Client Focus
Referral Identification
Risk Management
Client Experience Branding
Credit Documentation Requirements
Credit and Risk Assessment
Pipeline Management
Referral Management
Attention to Detail
Collaboration
Issue Management
Prospecting
Relationship Building
Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent.
Shift 1st shift (United States of America)
Hours Per Week 40
Pay Transparency Details US - CA - Morgan Hill - 101 Vineyard Town Ctr - MORGAN HILL BC (CA2120)
Pay and Benefits Information Pay range: $25.00 – $29.61 hourly pay, offers to be determined based on experience, education and skill set.
Formulaic incentive eligible: This role may participate in a formulaic incentive plan, with incentives earned based on 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.
Legal Notice The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor: FDIC, Safe Act/Loan Originators.
#J-18808-Ljbffr