דרושים Community Lending Officer - Riverside ב-Bank Of America ב-ארהב

Job Description:

Job Description:

This job is responsible for managing a unit for a site, region, or product line within the bank's internal operations. Key responsibilities include managing a team within the Global Credit Operations Syndicated and Corporate Lending organization. Candidate will be adept at resolving highly complex problems, ensuring compliance with policies, and developing and implementing new processes to improve operating efficiency and ensure accuracy of workflow. Job expectations include managing employee performance, development, talent planning, and process improvement.

Responsibilities:

• Manages staffing levels and capacities, prioritizes employee development by providing effective coaching and training, and shares constructive feedback to drive Operational Excellence
• Oversees end-to-end processes and ensures adherence to bank and regulatory policy and procedures when making decisions that impact various operations and product lines
• Develops and analyzes procedures to enhance unit and/or product-related activities and oversees budget and expense management, reporting, and forecasting for designated areas
• Implements improvements to drive the growth to the overall processes and identifies data, metrics, and key performance indicators to measure process effectiveness
• Aligns bank priorities and strategies to employee metrics and goals, evaluates employee progress, and strives to recognize, encourage, and improve team performance to support an inclusive work environment

Managerial Responsibilities:
This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above.

• Diversity & Inclusion Champion: Creates an inclusive team where members are treated fairly and respectfully.
• Manager of Process & Data: Demonstrates and expects process knowledge, data driven decisions, simplicity and continuous improvement.
• Enterprise Advocate & Communicator: Delivers clear and concise messages that motivate, convey the “why” and connects contributions to business results.
• Risk Manager: Leads and encourages the identification, escalation and resolution of potential risks.
• People Manager & Coach: Knows and develops team members through coaching and feedback.
• Financial Steward: Manages expenses and demonstrates an owner’s mindset.
• Enterprise Talent Leader: Recruits, on-boards and develops talent, and supports talent mobility for career growth.
• Driver of Business Outcomes: Delivers results through effective team management, structure, and routines.

Required Skills:

• 5 years of experience with commercial lending
• Familiarity with commercial credit or commercial loan terminology
• Experience with reading, interpreting, and analyzing complex legal documentation such as credit agreements, and amendments
• Highly organized, proactive, and able to plan, prioritize and manage deliverables
• Strong written and verbal communication skills; able to target messaging to different audiences
• Effective problem-solving skills
• Proficient computer skills in M365 (including Windows, Excel, Word, and Outlook)
• Can work independently while balancing early escalation to ensure seamless closing
• Adapts well to a quickly evolving environment
• Experience with LoanIQ
• Syndicated loan experience

Skills:

• Business Operations Management
• Customer Service Management
• Performance Management
• Talent Development
• Client Management
• Leadership Development
• Process Management
• Relationship Building
• Hiring and Onboarding
• Policies, Procedures, and Guidelines Management
• Process Design
• Risk Management
• Workforce Analytics

This job is responsible for working in a national inbound contact center and providing comprehensive home equity lending guidance and solutions to prospective borrowers. Key responsibilities include taking client calls to uncover their life priorities, financing objectives, and home equity lending needs, and structuring home equity loan solutions by leveraging defined processes and tools. Job expectations include connecting with clients to execute consistent follow-up routines and partnering with key functions to proactively manage priority milestones. 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 end-to-end comprehensive lending guidance and solutions to prospective borrowers by uncovering their life priorities and determining client financing objectives
• 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
• Works with clients and business partners throughout the loan process to ensure consistent client communication and follow ups are conducted
• Partners with key functions across home lending to proactively manage priority milestones within the loan process
• Maintains and applies knowledge of home equity lending policies, procedures and regulatory requirements, changing market conditions, and business trends to prospective and existing bank clients when providing sales and service solutions
• Recommends additional bank products based on client’s needs through partner referrals
• Demonstrates a commitment to professional ethics, conforms to all Federal and State compliance policies, and adheres to Home Mortgage Disclosure Act (HMDA) requirements

Required Qualifications:

• 1+ year of customer facing and/or customer contact center 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 recommend products or services
• Has an ability to learn all platform systems utilized within the environment and/or aptitude in system technologies
• Has an ability to work under pressure during high volume periods
• Has an ability to build and maintain positive rapport with service partners
• Can prioritize competing tasks
• Has adaptability and is flexible to change
• Is a strong communicator, written, oral and non-verbal
• Can be flexible to work weekends and/or extended hours as needed
• Communicates professionally, effectively and confidently and is comfortable engaging clients over the phone
• Has an ability to handle multiple business models to support changing business needs
• Works effectively with 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:

• 1+ years of sales experience
• Thorough knowledge of mortgage products and programs
• Experience analyzing complex financial and credit data used to advise clients of product/pricing policies and guidelines, as well as gathering any required information or documentation
• Knowledge of processing, underwriting, and closing procedures, and federal lending regulations governing real estate lending
• Strong consultative skills including the ability to ask critical questions to identify opportunities We’re a culture that
• Is committed to building a workplace where every employee is welcomed and given the support and resources to build and advance their careers. Along with taking care of our clients, we want to be a great place for people to work, and we strive to create an environment where all employees have the opportunity to achieve their goals
• Believes diversity makes us stronger so we can reflect, connect to and meet the diverse needs of our clients around the world
• Provides continuous training and developmental opportunities to help employees achieve their goals, whatever their background or experience.
• Is committed to advancing our tools, technology, and ways of working. We always put our clients first to meet their evolving needs
• Believes in responsible growth and is dedicated to supporting communities around the world by connecting them to the lending, investing and giving they need to remain vibrant and vital.

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

Job Description:

Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

This job is responsible for developing and maintaining a network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities from Bank of America Merrill Financial Advisors. Key responsibilities include responding to customer inquiries and referrals, conducting interviews with prospective borrowers, determining customer financing objectives, and advising customers of product/pricing policies and guidelines, while maintaining regulatory and compliance requirements of the Line of Business. 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:

• Manages prospecting clients and the initial structuring processes, while determining customer financial objectives and lending needs
• Negotiates with the client on lending terms, preparing deal justification and related documentation, and advising on related policies and guidelines
• Maintains a network of relationships to drive business referrals for lending opportunities
• Works directly with clients through final loan approval and closing as necessary and ensures data quality of client and deal information
• Provides guidance to effectively challenge and influence the strategic direction and tactical approaches of priority decisions
• Maintains thorough knowledge of lending programs, policies, procedures, and regulatory requirements and understands the suite of Wealth Management products and services to support business requirements
• Manages multiple tasks and sets priorities in line with the bank's overall strategy and prioritization

Required Experience/Skills:

• Minimum 5 years first mortgage origination experience, or a minimum 3 years mortgage origination experience with an additional two years of experience in the financial services industry.
• Has significant experience building relationships with clients.
• Has a working knowledge of federal regulations governing real estate lending.
• Can build and maintain solid referral base (that is, strong community involvement/ties, established relationship with assigned Merrill financial advisors).
• Strong computer skills including Microsoft applications and previous experience using laptop technology for communication purposes including accessing rate, credit and loan status information.
• Takes ownership, accountability and can demonstrate integrity.
• Understands processing, underwriting and/or closing procedures.
• Self-motivated and highly organized.
• Effective communication skills.
• Prioritizes multiple competing tasks.

Preferred Experience/Skills

• Demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals.
• Strong background in credit solutions, ranging from standard to custom mortgage products and other securities-based lending.
• A bachelor’s degree in business or related field experience.

High School Diploma / GED / Secondary School or equivalent

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 may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. 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
• Achieves production goals as defined by the business
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
• Provides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
• Conducts monthly Home Buyer Workshops and Business Development meetings

Required Qualifications:

• 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​

Desired Qualifications:

• 2+ years of experience in loan originations
• Familiar with FHA and HUD guidelines
• Knowledge of community housing counseling agencies
• 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 multiple tasks 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

Skills:

• Client Management
• Customer and Client Focus
• Loan Structuring
• Oral Communications
• Referral Management
• Credit Documentation Requirements
• Learning Delivery
• Presentation Skills
• Prospecting
• Written Communications
• Active Listening
• Business Development
• Credit and Risk Assessment
• Data Collection and Entry
• Pipeline Management

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 providing Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and familiarity of Realtor, Builder, and Community contacts local to the market. Job expectations include having successful track-records of delivering lending services to clients by demonstrating an understanding of credit, lending guidelines, and the mortgage 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 by providing advice oriented solutions with Consumer Lending and Core Banking products
• Engages in community development, outside sales activities, and external networking to responsibly grow client and market share
• Understands lending processes and credit guidelines to best develop solutions for each client's needs
• Manages daily client and loan pipelines with astute organization, follow up, and high degree of collaboration with loan fulfillment partners
• Leverages digital solutions, providing clients with a choice in preferred service pathways
• Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice conversations and fulfilling financial goals

Skills:

• Business Development
• Client Management
• Customer and Client Focus
• Prospecting
• Risk Management
• Account Management
• Client Solutions Advisory
• Credit and Risk Assessment
• Pipeline Management
• Referral Identification
• Attention to Detail
• Credit Documentation Requirements
• Issue Management
• Networking
• Relationship Building

• Has 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources
• Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
• Has a strong knowledge of loan products Conventional, Jumbo and Government.
• Demonstrated ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products
• Demonstrated understanding of processing, underwriting and/or closing procedures
• Has a working knowledge of federal regulations governing real estate lending
• Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals, builders, and other external referral partners in a compliant manner as well as within bank policy.
• An ability to work independently
• Is a strong communicator, both written and verbal
• Is self-motivated and highly organized
• Can prioritize multiple competing tasks
• Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process
• Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
• Can be flexible to work weekends and or extended hours as needed to serve clients
Desired Skills and Experience

• Familiarity with FHA and HUD guidelines
• Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
• The ability to analyze and comprehend complex financial data and provide financial alternatives
• Professional and effective interpersonal skills
• An ability to take ownership, accountability and can demonstrate integrity
• Adaptability and can demonstrate flexibility
• A positive attitude
• Effective communication styles

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators

High School Diploma / GED / Secondary School or equivalent

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 may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. 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
• Achieves production goals as defined by the business
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
• Provides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
• Conducts monthly Home Buyer Workshops and Business Development meetings

Required Qualifications:

• 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​

Desired Qualifications:

• 2+ years of experience in loan originations
• Familiar with FHA and HUD guidelines
• Knowledge of community housing counseling agencies
• 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 multiple tasks 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

Skills:

• Client Management
• Customer and Client Focus
• Loan Structuring
• Oral Communications
• Referral Management
• Credit Documentation Requirements
• Learning Delivery
• Presentation Skills
• Prospecting
• Written Communications
• Active Listening
• Business Development
• Credit and Risk Assessment
• Data Collection and Entry
• Pipeline Management

High School Diploma / GED / Secondary School or equivalent