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
- Solicit residential mortgages from various sources
- Produce high-quality, compliant loans and provide excellent customer service
- Build and maintain relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
- Develop and maintain visibility for Wells Fargo Home Mortgage in the assigned market; stay informed of mortgage industry trends
- 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
- Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures
- Maintain high standards of client satisfaction through timely and proactive communication
- Pursue Wells Fargo training to increase knowledge of company products, policies, procedures, and underwriting requirements
This SAFE position involves customer contact and job duties that may include offering/negotiating terms and/or taking an application for a dwelling-secured transaction. Compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations is required. Ongoing employment is contingent upon meeting these requirements, including acceptable background investigation results.
Requirements
- 2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education
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
- This position requires SAFE registration at the time of employment; Wells Fargo will initiate the process after your start date
- Must meet Consumer Financial Protection Bureau qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards
- A current credit report will be used to assess financial responsibility and credit fitness (credit score not included)
- Must meet ongoing regulatory requirements, including additional screening if necessary
- Reliable transportation required
- Ability to work nights, weekends, and/or holidays as needed or scheduled