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Wells Fargo

Nationwide banking and financial services

Mortgage Retail Sales Consultant - Safe, Evergreen

Retail & Commercial BankingConfirmed live in the last 24 hours
Full-timeConcord, CA, USANo salary listedIn-person

About the Job

Requirements

  • At least 2 years of Mortgage Retail Sales experience, or equivalent demonstrated through work experience, training, military experience, or education.
  • Must obtain SAFE registration at the time of employment and meet the Loan Originator qualification requirements, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
  • Must meet ongoing regulatory requirements, including additional screening if necessary.

Responsibilities

  • Solicit residential mortgages from various sources.
  • Produce high-quality, compliant loans and provide excellent customer service.
  • Build 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 marketplace, and stay informed about mortgage industry trends and developments in the assigned market.
  • Present recommendations for producing loans and exercise independent judgment while developing understanding of and adherence to Mortgage Retail Sales policies, procedures, compliance requirements, and loan generation.
  • Understand real estate appraisals, title reports, and real estate transactions.
  • Receive customer applications, quote rates and points, complete follow-up activities related to registration lock-in, and analyze and offer mortgage loan products based on client needs.
  • Review and analyze low- to moderately-complex financial and credit data, and match customer needs with an appropriate loan program and level of risk.
  • Inform prospective and existing customers about Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain client satisfaction and quality through timely, proactive communication.
  • Pursue Wells Fargo training offerings to increase knowledge of company products, policies, procedures, and underwriting requirements.
  • Comply with the SAFE Mortgage Licensing Act of 2008 and related regulations; ongoing employment is contingent on meeting applicable requirements, including acceptable background investigation results.
  • Meet Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies for Loan Originator positions.
  • Submit to use of a current credit report to assess financial responsibility and credit fitness; credit score is not included in the evaluation.
  • Execute applicable risk programs, follow Wells Fargo policies and procedures, fulfill risk and compliance obligations, escalate and remediate issues in a timely and effective manner, monitor risks, identify and escalate issues, and make sound risk decisions consistent with the business unit’s risk appetite and program requirements.

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.

About the Company

Wells Fargo

Nationwide banking and financial services

Wells Fargo provides banking, investment, and payment services across the United States. Its products include checking and savings accounts, loans, credit cards, wealth management, and payment solutions that work through branches, online and mobile platforms, and an extensive network of branches and ATMs to move money and manage accounts. The bank leverages a long West-to-Midwest footprint and an integrated suite of banking, investment, and payments, reflecting its evolution from 1852 and the 1998 Norwest merger that adopted the Wells Fargo name. Its goal is to help customers manage money, grow wealth, and pay and transfer funds safely and reliably for individuals, small businesses, and institutions.

Company size
10,001+
Company stage
IPO
Headquarters
San Francisco, CA
Founded
1851

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