דרושים Community Lending Officer - Mira Vista ב-Bank Of America ב-United States, Richmond

Job Description:

This job is responsible for managing the end-to-end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. Key responsibilities include connecting with internal and external centers of influence (i.e. financial center partners, realtors, etc.) to originate mortgage transactions, identifying relationship deepening opportunities with clients, and facilitating the loan process from application to close. Job expectations include providing home buyer education via workshops and contacting with clients and partners virtually or in-person. 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:

Originates loans from multiple internal and external referral sources

Understands the local Affordable Housing Market, Housing Assistance Programs, and experience, providing thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers

Provides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements

2+ years of experience in loan originations and/or home buyer education

Knowledge of conventional and/or government guidelines as well as affordable mortgage products and programs

Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending

Ability to organize and deliver Home Buyer Workshop presentations

Strong written and verbal communications skills

Self-motivated and highly organized

Ability to prioritize multiple competing tasks​

Experience in first mortgage and HELOC

Familiar with FHA and HUD guidelines

Knowledge of local competition product offerings and real estate market dynamics

Strong computer skills, including Microsoft applications and previous experience using laptop technology for client communication purposes including accessing rate, credit and loan status information

Solid time management skills and the ability to organize, prioritize and perform multipletasks simultaneously

Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences

Ability to analyze and comprehend complex financial data and provide appropriate financial solutions

Professional and effective interpersonal skills

Client Management

Loan Structuring

Oral Communications

Referral Management

Credit Documentation Requirements

Learning Delivery

Presentation Skills

Written Communications

Active Listening

Credit and Risk Assessment

Data Collection and Entry

Pipeline Management

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

Job Description:

Job Description:

Accountable for managing and settling the larger, more complex estate and/or terminating trusts that require a higher level of technical expertise and knowledge. This is a non licensed associate role.

Responsibilities:
* Assigns tasks to the Settlement Assistants, monitors progress and approves completed work.
* Responsible for coaching, developing, and mentoring assistants and junior level officers within the Settlement team.
* Builds and maintains relationships with external business partners (Attorneys, CPAs, and Fiduciary Accountants), and coordinates communication with internal support partners (Tax, Compliance, SAM, ART), to ensure accurate, timely and efficient administration, and to manage business risk.
* Maintains high quality communications with beneficiaries, with focus on client satisfaction and asset retention.
* Accountable for managing the larger, more complex probate estates and deceased grantor trusts that require a higher level of technical expertise and knowledge in estate and trust administration.
* Responsible for increasing estate revenue by developing and maintaining partnerships with Private Wealth Management business partners and through referrals from other business lines.
* Participates in sales calls as needed, offering Estate Settlement expertise.
* Coordinates communication with internal support partners (Tax, Compliance, Real Estate, Private Business Group) to ensure accurate, timely, and efficient administration and to manage business risk.
* Builds and maintains relationships with external business partners (Attorneys and CPAs) and other organizations to promote awareness of Estate Settlement Services.
* Acts as a technical resource to colleagues within and outside of Estate Settlement team.
* Will involve responsibility for coaching, developing, and mentoring assistants.

Requirements/Desired Skills:
* BS/BA or equivalent experience required
* JD, advanced degree and/or certifications preferred
* Minimum of 2-3 years of personal trust/estatesettlement/investmentrelated experience
* Excellent interpersonal and technical skills
* Demonstrates excellent oral, written, and presentation skills
* Exceptional organizational skill

Skills:

• Account Management
• Customer and Client Focus
• Oral Communications
• Risk Management
• Written Communications
• Collaboration
• Decision Making
• Issue Management
• Prioritization
• Problem Solving
• Attention to Detail
• Client Management
• Mentoring
• Process Simplification
• Referral Identification

High School Diploma / GED / Secondary School or equivalent