Centralized Lending Specialist – Bilingual Team page is loaded
Centralized Lending Specialist – Bilingual Team
Apply locations Plano time type Full time posted on Posted 16 Days Ago time left to apply End Date: November 1, 2024 (11 days left to apply) job requisition id 24041539
Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
Description:
This job is responsible for answering inbound calls and initiating outbound calls within a call center to assist new and existing clients with determining the best solution for financing the purchase of a home, refinancing an existing mortgage, or obtaining a new home equity line of credit. Key responsibilities include analyzing the clients financial goals, determining the most optimal lending product solution, submitting the mortgage application, assisting clients with gathering supporting loan documentation, and keeping clients informed throughout the mortgage loan process. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Responsibilities:
- Provides exceptional client care
- Answers inbound calls and make outbound calls to provide new and existing clients with guidance and advice to uncover lending needs and assist them with determining the best solution
- Utilizes multiple technology systems to assist customers and referral partners
- Leverages defined lending processes and policies to meet guidelines and manage risks
- Communicates consistently with clients and business partners through outbound calls, email, and online messaging systems throughout the lending process
- Identifies opportunities through conversations with clients to recommend the bank's products through partner referrals as part of one team that delivers exceptional client care
Required Qualifications:
- Has 1+ year of home loan origination or mortgage experience
- Bilingual – Spanish Required
- Has a strong relationship-deepening and client care mentality
- Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
- Has an ability to assess client needs and suggest/promote alternative products or services
- Has ability to learn all platform systems utilized within the environment and/or aptitude in system technologies
- Has effective customer service skills with ability to manage the full client end-to-end origination experience and problem resolution at key points in lending process
- Has an ability to work under pressure during high volumes
- Has an ability to build and maintain positive rapport with service partners.
- Can prioritize multiple competing tasks.
- Has adaptability and is flexible to change.
- Is a strong communicator, written, oral and non-verbal.
- Demonstrates solid sales production over a sustained time frame.
- Can be flexible to work weekends and/or extended hours as needed.
- Communicates professionally, effectively and confidently and is comfortable engaging all clients over the phone.
- Has an ability to handle multiple lines of business and models to support changing business needs.
- Independently works with other business partners to expedite post-sale issues or problem resolution
- Has the ability to effectively balance performance, operational risk, and client relationship care.
- Demonstrates a commitment to professional ethic and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State Compliance policies.
Desired Qualifications:
- Has knowledge of loan products (Conventional, Jumbo and Government)
- Can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
- Familiarity with FHA and HUD guidelines.
- Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending.
- The ability to analyze and comprehend complex financial data and provide financial alternatives.
- Strong consultative skills including the ability to ask critical questions to identify opportunities
Skills:
- Attention to Detail
- Client Solutions Advisory
- Customer and Client Focus
- Oral Communications
- Written Communications
- Client Management
- Loan Structuring
- Pipeline Management
- Problem Solving
- Collaboration
- Credit Documentation Requirements
- Critical Thinking
- Referral Identification
- Referral Management
Shift:
1st shift (United States of America)
Hours Per Week:
40
About Us
Bank of America is committed to help employees through the transition period when they’re displaced as a result of a workforce reduction, realignment or similar measure. Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity.
Regardless of the position you are interested in, the starting points to building your resume are the same:
1. Determine the job or types of jobs you want to do and research their responsibilities and qualifications.
2. Think about why you can do the job and make a list of your skills that are relative to the job.
3. Identify experiences or accomplishments that show your proficiency in the skills required for the job.
4. Summarize your abilities, accomplishments and skills into a brief, concise document.
Considerations when writing a resume
• Do be brief. Resumes should be 1-2 pages in length.
• Do be upbeat and active in your wording.
• Do emphasize what you have done clearly and concretely.
• Do be neat and well organized.
• Do have others proofread and critique your resume. Spell check. Make it error free.
• Do use high quality, white or light colored 8½ x 11 paper. Use a laser printer if possible.
• Don't be dishonest, always tell the truth about yourself in the most flattering light.
• Don't include salary history or requirements.
• Don't include references.
• Don't include accomplishments that do not support your professional goals.
• Don't include anything that isn't relevant. (For example, don't mention your fondness for swimming unless you want to work on the water.)
• Don't use italics, underlining, shadows or other fancy treatments.
Seven steps to a successful interview
1. Anticipate –Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview?
2. Research –What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available?
3. Assess –Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight.
4. Prepare Answers –Think about what the interviewer may ask, determine what the best answer is and write it down.
5. Prepare Questions – Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks.
6. Practice – It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease.
7. Follow-up – Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage.
#J-18808-Ljbffr
