Mortgage Retail Sales Consultant (SAFE)
About This Role
Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. Learn more about our career areas and lines of business at wellsfargojobs.com.
Participates in Solicitation
Participate in soliciting residential mortgages from various sources.
Produces High Quality Loans
Produce high quality loans which are compliant and provide excellent customer service.
Builds Relationships
- Builds relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources.
- Develops and maintains a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stays informed of mortgage industry trends and developments in the assigned market.
Exercises Independent Judgment
Exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans.
Understands Real Estate Transactions
Understand real estate appraisals, title reports, and real estate transactions.
Communicates with Customers
- Receives customer applications, quotes the rate and points, and completes follow-up activities with the registration lock-in;
- Analyzes and offers mortgage loan products based on client needs;
- Presents recommendations for producing loans;
- Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures;
- Maintains high standard of client satisfaction and quality by ensuring timely and proactive customer communication.
Completes Training Offerings
Pursues Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements.
Compliance 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. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.
Required Qualifications
- 2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education.
Desired Qualifications
- Basic Microsoft Office skills.
- Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources.
- 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.
- Customer service experience.
Job Expectations
- This position requires SAFE registration at the time of employment.
- The Nationwide Mortgage Licensing System (NMLS) website (http://fedregistry.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.
- Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities.
- A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation.
- Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
- Ability to lift 20+ pounds.
- Reliable transportation.
- Ability to work nights, weekends, and/or holidays as needed or scheduled.