Community Lending Officer - Hollister

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We drive Responsible Growth and deliver for our clients, teammates, communities, and shareholders every day. We foster an inclusive workplace where every teammate has the opportunity to succeed, build a career, and contribute to our shared success. Our culture supports physical, emotional, and financial wellness through affordable, competitive, and flexible benefits. We value diverse perspectives and career paths, including military service, community college education, and varied work and life experiences, which strengthen our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development, with clear in-office expectations and flexibility based on role-specific responsibilities and business needs.

About the role

This role manages end-to-end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. Responsibilities include connecting with internal and external centers of influence (e.g., financial center partners, realtors) to originate mortgage transactions, identifying relationship deepening opportunities, and facilitating the loan process from application to close. The position involves providing home buyer education via workshops and client/partner interactions, either virtually or in-person. This role requires SAFE Act registration, including background checks, and failure to maintain registration may result in disciplinary action up to and including termination.

Responsibilities

• Originates loans from multiple internal and external referral sources
• Understands the local Affordable Housing Market, Housing Assistance Programs, and provides thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers
• Achieves production goals as defined by the business
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
• Provides exceptional customer service, including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
• Conducts monthly Home Buyer Workshops and Business Development meetings

Requirements

• 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, and federal lending regulations governing real estate lending
• Ability to organize and deliver Home Buyer Workshop presentations
• Strong written and verbal communication skills
• Self-motivated and highly organized
• Ability to prioritize multiple competing tasks

Qualifications

• Familiar with FHA and HUD guidelines
• Knowledge of community housing counseling agencies
• 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 (e.g., 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

Schedule

• 1st shift (United States of America)
• 40 hours per week

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for this position: FDIC, SAFE Act/Loan Originators.

Minimum education requirement: High School Diploma / GED / Secondary School or equivalent.