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Wells Fargo

Nationwide banking and financial services

Mortgage Retail Sales Consultant - Safe

Retail & Commercial BankingPosted on Nov 13
Full-timeHouston, TX, 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 have SAFE registration at the time of employment; Wells Fargo initiates the registration process after the start date.
  • Must meet Consumer Financial Protection Bureau 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 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 visibility for Wells Fargo Home Mortgage in the marketplace and stay informed of mortgage industry trends and developments in the assigned market.
  • Present recommendations for producing loans and exercise independent judgment while developing an 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 mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain customer 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 Loan Originator requirements under Regulation Z.

Desired Qualifications

  • Experience applying consumer lending, credit management, and customer contacts in a business environment.
  • Experience applying facilitation, home mortgages, and loan closings in a business environment.
  • Experience applying loan processing, loan servicing, and mortgage banking in a business environment.
  • Experience with mortgage licensing, mortgage sales, and mortgage servicing in a business environment.
  • Experience with real estate, real estate lending, and real estate transactions in a business environment.
  • Experience applying relationship building, retail sales, and sales pipeline management.

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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