Mortgage Retail Sales Consultant (SAFE)

For additional information on this line of business, refer to the external Careers Site at www.wellsfargojobs.com.

About the role

In this role, you will participate in soliciting residential mortgages and produce high-quality loans that are compliant while providing excellent customer service. You will build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources to develop and maintain visibility for Wells Fargo Home Mortgage in the marketplace.

Responsibilities

• Participate in soliciting residential mortgages from various sources
• Produce high-quality loans that are compliant and provide excellent customer service
• Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
• Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments
• Present recommendations for producing loans and exercise independent judgment while adhering to policies, procedures, and compliance requirements
• Understand real estate appraisals, title reports, and real estate transactions
• Receive customer applications, quote rates and points, and complete follow-up activities with registration lock-in
• Analyze and offer mortgage loan products based on client needs
• Review and analyze low to moderately complex financial and credit data; match customer needs with appropriate loan programs and risk levels
• Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures
• Maintain high standards of client satisfaction and quality through timely and proactive customer communication
• Pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements

Requirements

This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling-secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.

• 2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education
• SAFE registration at the time of employment (Wells Fargo will initiate the process)
• Reliable transportation
• Ability to work nights, weekends, and/or holidays as needed or scheduled

Qualifications

• Basic Microsoft Office skills
• Experience with retail residential mortgage purchase fundings over the past 12 months, primarily from established, local, or external sources
• Experience educating clients on various mortgage programs
• Excellent verbal, written, and interpersonal communication skills
• Mortgage industry experience
• Knowledge and understanding of sales prospecting and generating referrals
• Experience developing and cultivating professional relationships
• Bilingual speaking proficiency in Spanish/English
• Customer service experience

Job Expectations

Individuals in Loan Originator (LO) positions must meet Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness, and criminal background standards. A current credit report will be used to assess financial responsibility and credit fitness, though a credit score is not part of the evaluation. Successful candidates must also meet ongoing regulatory requirements, including additional screening if necessary.