Enterprise Lending Officer - Multiple Locations

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.

About the role

This role is responsible for providing Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and leveraging local market knowledge of Realtor, Builder, and Community contacts. The position requires a successful track record of delivering lending services by demonstrating an understanding of credit, lending guidelines, and the mortgage process. This role may involve residential mortgage loan origination and is subject to SAFE Act registration requirements.

Responsibilities

• Provides exceptional client care by offering advice-oriented solutions with Consumer Lending and Core Banking products.
• Identifies opportunities through client conversations to recommend the bank’s products via partner referrals.
• Connects with clients through outreach and pipeline management, conducting consistent follow-up to meet client needs.
• Maintains a quality network of business relationships as a recurring source of referrals for new mortgage lending opportunities.
• Engages in community development, outside sales, and external networking to responsibly grow client and market share.
• Understands lending processes and credit guidelines to develop tailored solutions for each client’s needs.
• Manages daily client and loan pipelines with organization, follow-up, and collaboration with loan fulfillment partners.
• Leverages digital solutions, offering clients flexibility in service pathways.
• Adheres to all federal and state regulations and bank operational requirements, ensuring compliant client advice and goal fulfillment.

Requirements

• 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources.
• Demonstrated understanding of effectively managing a pipeline to deliver an exceptional client experience.
• Strong knowledge of loan products: Conventional, Jumbo, and Government.
• Ability to understand, analyze, and document income, assets, and liabilities to qualify clients for specific loan products.
• Understanding of processing, underwriting, and/or closing procedures.
• Working knowledge of federal regulations governing real estate lending.
• Ability to source clients independently, without reliance on enterprise referrals, with demonstrated success in generating business from external Centers of Influence (real estate professionals, builders, and other referral partners) in a compliant manner.
• Strong communication skills, both written and verbal.
• Self-motivated, highly organized, and able to prioritize multiple competing tasks.
• Uses appropriate interpersonal styles and communication methods to engage clients and keep them informed during the loan process.
• Understands the correlation between service quality and sales volume.
• Flexibility to work weekends or extended hours as needed to serve clients.

Qualifications

• High School Diploma / GED / Secondary School or equivalent.
• SAFE Act registration is required; failure to maintain registration may result in disciplinary action up to and including termination.
• FDIC and SAFE Act/Loan Originators regulations restrict hiring individuals with certain specified criminal histories for this role.

Desired Skills

• Familiarity with FHA and HUD guidelines.
• Strong computer skills, including MS applications and experience using laptop technology for 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 analyze and comprehend complex financial data and provide financial alternatives.
• Professional and effective interpersonal skills.
• Ability to take ownership, demonstrate accountability, and act with integrity.
• Adaptability, flexibility, and a positive attitude.

Schedule

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