Centralized Lending Specialist Mortgage Loan Officer - Chandler Az jobs at Bank Of America in United States, Chandler

This job is responsible for performing analytical requests, reporting and analysis, and assisting with modeling activities to help manage risk and minimize credit and operating losses. Key responsibilities include overseeing portfolio trends, developing data sets or queries to extract data, and supporting the production of internal and external reporting needs. Job expectations include effectively driving information and insights which have significantly impact regulatory, financial accountability, and directly impact to business policies and goals.

Responsibilities:

• Develops and executes reporting to allow risk and business partners to effectively identify and manage risk in an effective manner
• Identifies trends and manages the data design, portfolio trends, loss trends, and portfolio dynamics to ensure alignment with business strategies
• Participates in various product strategic initiatives affecting multiple risk functions and lines of business to ensure company goals are met
• Facilitates the development of database production processes and performance reports for senior management, using data mining and other advanced analytical techniques to aggregate data
• Responds to complex ad-hoc requests for information from both internal and external parties
• Coordinates cross-functional efforts to remediate data quality issues
• Manages the outputs of controls and investigates alerts from the control checks

Required Qualifications:

• Bachelor’s degrees or above in fields including but not limited to: Finance, Economics, Mathematics, Computer Science, Statistics, Process and Mechanical Engineering, Operations Research, Data Science, Accounting, Business Administration
• 5+ years of relevant work experience

Qualifications:

• Intellectual Curiosity
• Applies critical thinking and connects the dots on how processes relate to one another.
• Demonstrates understanding of and passion for the “why”.
• Looks around the corner, explores uncharted territories with an “outside-in” perspective.
• Life-long learner who not only assertively educates self but encourages others to learn and grow.
• Feels ownership and accountability for delivering high quality work, able to prioritize effectively, adapt, and meet strict deadlines.
• Ability to recommend and implement process control improvements.
• Executive Interaction & Communication
• Strong written, verbal, presentation creation and delivery skills.
• Communications are timely, concise, easy to follow and tailored to topic, audience, and competing priorities.
• Exercises excellent judgment, discerning appropriate moments to challenge or insert point of view.
• Presentations tell a compelling story and influence action.
• Asks the next level of questions, applies context to determine direction.

Technical Qualifications:

• Expert knowledge of complex data architecture, including modeling and data science tools and libraries, data warehouses, and machine learning.
• Expert level coding skills, Excel, and End user interface development
• Managing large data sets utilizing tools such as Hadoop.
• Transforming large datasets to identify patterns and summarize insights.
• Ability to turn data into insights to tell a story; present large amounts of data in a visually insightful way that can be easily digested by an executive audience.
• Experience with large number of different data storage solutions and understanding of efficient usage.
• Mastery of Python and Tableau
• Experience with machine learning

Skills:

• Business Intelligence
• Data Visualization
• Issue Management
• Project Management
• Risk Management
• Business Acumen
• Continuous Improvement
• Risk Analytics
• Stakeholder Management
• Technical Documentation
• Adaptability
• Attention to Detail
• Data and Trend Analysis
• Performance Management
• Regulatory Relations

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 sales and mortgage experience
• Bilingual – Spanish Required
• Has a strongrelationship-deepeningand 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 contact center experience
• 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

Minimum Education Requirement:High School Diploma / GED / Secondary School or equivalent

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 sales and mortgage experience
• Has a strongrelationship-deepeningand 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 contact center experience
• 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

High School Diploma / GED / Secondary School or equivalent

This job is responsible for being the first point of contact for requests or service failure incidents and maintaining stability for a portfolio of applications. Key responsibilities include performing initial investigations, mitigating impacts through routines and engaging in triages, responding to user requests, and working with technology teams to identify, troubleshoot, and resolve issues. Job expectations include following well defined Standard Operating Procedures (SOPs) and partnering with experts to improve service levels by proposing changes to monitoring, alerting, and configuration.

Responsibilities:

• Monitors and supports application components and related infrastructure, acts as the first point of contact for users, and responds to alerts regarding potential production incidents
• Interprets and monitors dashboards, tools, and reports in order to proactively identify and address potential issues prior to production impact, escalating issues to senior team members or subject matter experts as needed
• Performs environment routing and cycling, implements splash pages, and conducts user ID administration access provisioning/deprovisioning (additions, modifications, deletions) for applications
• Works with technical partners to generate status updates, create technical detail for awareness communications, such as infrastructure, application and client impact, and component points of failure, and schedules follow up meetings
• Partners with change and release teams to support implementations and proactively identify potential issues resulting from changes
• Tracks incidents and requests in a defined system, executes procedures reliably, fulfills requests from business users and operations, and escalates issues as needed to solve incidents quickly
• Keeps operational procedures updated and provides data that adheres to documentation requirements and audits

Position Summary

• The individual will coordinate the weekly mainframe maintenance windows within established SLAs. Review changes utilizing BMC tool, align the moving parts into a concrete plan, pivot when the unexpected happens, has a strong attention to detail, is a leader/team player, and is able to calmly multi-task during a high stress window and see the big picture.
• Escalate elongated issues risking SLA.
• Document issues or improvements.
• Able to provide and communicate process improvements/solutions across differing audiences including technical, managerial.
• Participate in the resolution process for problems where analysis of situations or data requires an evaluation of various factors.
• Take part in multiple projects and activities related to special initiatives or operations.
• Leading and facilitating meetings to debate and understand risks associated with change and how they impact the production environment.

Required Qualifications

• Able to work weekdays and depending on the job responsibilities, a rotating weekend night schedule. (Includes Saturdays and Sundays)
• Strong working knowledge (> 5 yrs.) and experience on mainframe technology infrastructure utilizing the zOS operating system, transaction and queuing systems, database systems and batch systems and understanding system start-up/shutdown, console messaging, and technology dependencies.
• Strong Knowledge of standard mainframe tools such as TSO, JCL, JES2, SDSF, Console, etc.
• Experience with BMC Remedy.
• Able to closely vet change request that can be disruptive, need operational assistance and/or requires a service outage on Mainframe, understanding of infrastructure and business applications and able to minimize disruption of services.
• Strong ability to multi-task and manage activities during a coordinated multi-technology change window.
• Strong organization, attention to detail and project management skills.
• Flexibility to react and adapt to rapidly changing scenarios, able to pivot where needed to ensure changes are successfully installed in the window while still meeting SLAs.
• Exhibits excellent communication and interpersonal skills, collaborates effectively with team members, cross-functional teams, applications, and business units.
• Good analytical and problem solving skills.
• Self-motivated and results-orientated, able to create and maintain comprehensive documentation, including but not limited to operator procedures, detailed scripts outlining task clearly, ensuring clarity and consistency.
• Excellent communication skills both verbal and written; must be able to appropriately convey ideas, concerns and opinions across differing levels of management
• The ability to work effectively in a fast-paced environment with tight deadlines.
• Strong leadership and teamwork skills and experience in supervising junior staff or leading project teams is desired. Coordinating people and task to achieve goals.
• Works effectively with others by establishing and maintaining positive working relationships

Desired Qualifications

• Candidate must have 2 or more years of console operations work experience. Technical experiences should include operator knowledge of JES2, and MVS commands would be helpful.
• Candidate must understand the sensitive and critical nature of data processing and service level agreements and be able to proactively contribute to organizational goals and delivery targets.
• Knowledge of standard mainframe tools such as: ITSM, APVIEW, HMC, Microsoft office 365 suite products, MatterMost, Python, NETVIEW, SA z/OS.
• A working knowledge of HMC, IPL and POR procedures is a plus.
• Must be able to escalate issues and problems to support teams or upper management groups as required.
• Previous experience in performing similar function is highly desirable.
• ITIL certification a plus.
• Strategic Thinker: able to anticipate business needs and growth opportunities. Challenging the status quo and continuously looking for opportunities to modernize and automate wherever we can.

Skills:

• Adaptability
• Analytical Thinking
• Influence
• Production Support
• Risk Management
• Automation
• Collaboration
• Result Orientation
• Solution Delivery Process
• Solution Design
• Business Acumen
• DevOps Practices
• Innovative Thinking
• Project Management

Job Description:

Job Description:
This job is responsible for handling a variety of client calls within theConsumer lending
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:

• Answers incoming calls and reviews details of customer applications thoroughly and accurately to address inquiries regarding the fulfillment process
• Articulates difficult and/or complex information in a clear manner, while conveying compassion to drive customer retention and sales partner confidence
• Manages multiple computer-based applications during customer conversations
• Prepares and maintains detailed records and documentation in permanent loan file
• Partners with Home Services Specialist teams to ensure consistent communications with client and sales partners

Required Qualifications:

• Excellent phone and customer service skills
• Prior customer service experience
• Strong written and verbal communication skills
• Ability to work in fast paced work environment
• Good organizational and time management skills
• Working knowledge of computer systems
• Ability to effectively multi-task
• Quality focused with attention to detail
• Able to adapt and embrace change
• Maintain a positive attitude
• Good interpersonal skills
• Manage challenging situations
• Ability to deliver a difficult message
• Ability to take ownership
  

Desired Qualifications:

• Mortgage Industry Experience

Skills:

• Attention to Detail
• Consulting
• Customer Service Management
• Customer and Client Focus
• Oral Communications
• Business Acumen
• Credit and Risk Assessment
• Data Collection and Entry
• Decision Making
• Problem Solving
• Collaboration
• Policies, Procedures, and Guidelines
• Result Orientation

High School Diploma / GED / Secondary School or equivalent

Job Description:

This job is responsible for providing phone-based services to relationship jobs where the representative is expected to take several inbound service calls daily to solve for financial needs. Key responsibilities include deepening relationships by referring clients to specialized sales teams and serving as a central entry point into a fully licensed financial services career. Job expectations include managing products, trading in self-directed accounts, and maintaining knowledge on chat functionality and a wide variety of products.

• Identifies clients’ needs and find proper solutions to meet those needs by referring sales opportunities to specialist and sales teams
• Receives training through the licensing/study program, ultimately earning SIE, S7 and S66 certifications
• Focuses daily on service to sales with existing Merrill clients
• Provides exceptional client care, growing client relationships, and guiding clients with needs-based solutions that will support their financial goalsYou’re the kind of person that (required skills):
• Is client-focused with a passion for excellence and a positive team attitude.
• Is self-motivated, goal-oriented, andhas the ability tomultitask in a fast moving, performance –based environment.
• Has the ability to identify clients’ needs and find proper solutions to meet those needs by referring sales opportunities to specialist and sales teams.
• Is an effective communicator with an aptitude for sales and relationship management
• Has strong computer skills
• Is prepared to pass licensing exams – Security Industry Essentials (SIE) and Series 7 and Series 66.
• Wants to establish a long-term career in the financial services industry at a fast-growing company that rewards hard work and dedication.
• Is ambitious, disciplined, hardworking, resilient and willing to learn.
• A bachelor’s degree, or 1-2 years of experience in a performance-based environment.
• The Security Industry Essentials (SIE) or other financial services licenses and interest in pursuing the Series 7, and/or the Series 66 licenses.
• Leadership capabilities.Skills Used in this Role:
• Establishing Trust
• Customer Service
• Overcoming Objections
• Consulting
• Risk Management
• Organization
• Critical Thinking
• Conflict Resolution
• Building Rapport
• Active Listening
• Customer Focus
• Analytical Thinking

Additional Skills:

This job is responsible for handling auto loan requests through the telephone and ensuring exceptional client service by identifying client needs while providing clear and specific next steps. Key responsibilities include overseeing the loan process from origination to closing, ensuring compliance with all regulations. Job expectations include reviewing existing client relationships by using various internal systems when required.

Responsibilities:

• Demonstrates excellent client service skills through actively listen to incoming client phone calls regarding auto loan applications
• Ensures compliance with all Customer Identification Program (CIP) and Know Your Customer (KYC) regulations by using various authentication tools to avoid fraudulent activity and high risk transactions
• Oversees the loan process from start to finish by guiding clients through each step and quickly identifying and dispositioning scenarios to provide advanced problem resolutions
• Handles situations which may require adaptation of response or extensive research according to the client's response
• Identifies and engages internal bank partners as necessary on collaborative solutions
• Uses computerized system for tracking information gathering and follow-up of assigned clients
• Provides technical and sales training to associates

Skills:

• Active Listening
• Attention to Detail
• Customer and Client Focus
• Oral Communications
• Account Management
• Adaptability
• Client Experience Branding
• Loan Structuring
• Pipeline Management
• Data Collection and Entry
• Emotional Intelligence
• Written Communications

High School Diploma / GED / Secondary School or equivalent

• 1+ years of call center experience or equivalent

• Excellent verbal and written communication skills

• General computer skills

• Strong typing skills.

Dqualifications

Bank-related automotive financing