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. We foster an inclusive workplace where every teammate has the opportunity to succeed, build a career, and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting teammates’ 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 familiarity with Realtor, Builder, and Community contacts local to the market. The position requires a successful track record of delivering lending services to clients by demonstrating an understanding of credit, lending guidelines, and the mortgage process. This position may be responsible for the provision of residential mortgage loans 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 as part of a unified team delivering exceptional client care.
• Connects with clients through outreach and pipeline management activities, conducting consistent follow-up to meet client needs.
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
• Engages in community development, outside sales activities, 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 astute organization, follow-up, and collaboration with loan fulfillment partners.
• Leverages digital solutions, offering clients a choice in preferred service pathways.
• Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice and fulfilling financial goals.

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.
• Demonstrated ability to understand, analyze, and document income, assets, and liabilities to qualify clients for specific loan products.
• Demonstrated understanding of processing, underwriting, and/or closing procedures.
• Working knowledge of federal regulations governing real estate lending.
• Ability to source clients independently, without relying on enterprise referrals, with demonstrated success in generating business from external Centers of Influence, real estate professionals, builders, and other external referral partners in a compliant manner and within bank policy.
• Ability to work independently, prioritize multiple competing tasks, and use appropriate interpersonal styles and communication methods to gain and retain clients.
• Strong written and verbal communication skills, self-motivation, and high organization.
• Flexibility to work weekends and/or extended hours as needed to serve clients.
• High School Diploma, GED, or equivalent.

Desired Skills

• Familiarity with FHA and HUD guidelines.
• Strong computer skills, including MS applications and experience utilizing laptop technology for communication, 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, adaptability, and a positive attitude.
• Ability to take ownership, demonstrate accountability, and show integrity.

Schedule

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

This position is subject to SAFE Act registration requirements. Employees engaged in residential mortgage loan originations must register with the federal registry system and remain in good standing. Failure to maintain SAFE Act registration may result in disciplinary action up to and including termination. Certain criminal history may restrict or prohibit hiring for this role under FDIC and SAFE Act/Loan Originators regulations.