Credit Solutions Advisor - Arroyo Grande

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. Our inclusive workplace fosters career development, recognizes performance, and supports physical, emotional, and financial wellness through affordable, competitive, and flexible benefits. We value diverse perspectives shaped by military service, community college, and varied 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. Our approach includes clear in-office expectations with flexibility based on role-specific responsibilities and business needs.

About the role

This role is responsible for originating loans for clients with residential mortgage needs and serves as the primary lending specialist working full-time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone, as well as providing products such as Auto Loans, Credit Cards, and Core Banking products. The position requires balancing sales performance, operational risk, and client relationship care. This role is subject to SAFE Act registration requirements, including background checks. Failure to 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 align with the client's unique priorities.
• Presents potential home lending product solutions, submits mortgage applications, 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, conducting 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.

Requirements

• Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, leadership, build trust, deepen relationships, and/or self-source business combined with a proven record in consultative sales and delivering tailored financial solutions.
• Actively listens to clients to determine their needs and goals and has a desire to interact with clients proactively.
• Communicates professionally, effectively, and confidently, engaging all clients in person and over the phone.
• Critical thinker with the ability to analyze financial and credit data to advise clients of product/pricing policies and guidelines, and gather additional required information.
• Effective customer service skills with the 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 with a strong work ethic.
• Flexibility to work weekends and/or extended hours as needed.
• 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 incorporates relevant regulatory due diligence, complying with all Federal and State compliance policies.
• High School Diploma / GED / Secondary School or equivalent.

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 the 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, and HELOC, Government)
  • Structuring, processing, underwriting, and closing procedures
  • Federal regulations governing real estate lending
  • FHA and HUD guidelines
  • 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

Schedule

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