דרושים Sales Representative ב-United States, Iowa, Cedar Rapids

In this role you will:

• Participate in soliciting residential mortgages from various sources
• Produce high quality loans which 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 a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market
• Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
• Understand real estate appraisals, title reports, and real estate transactions
• Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs
• Review and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk
• Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
• Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements
• This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below

Required Qualifications:

• 2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education

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

Job Expectations:

• This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website(http://fedregistry.nationwidelicensingsystem.org)provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary
• Ability to lift 20+ pounds
• Reliable transportation
• Ability to work nights, weekends, and/or holidays as needed or scheduled

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

• Bachelor's degree in Mechanical or Industrial Engineering, related discipline, or equivalent practical experience.
• 3 years of experience in mission critical facility design and construction environments.
• 3 years of experience in estimating, electrical design, operation, and commissioning of substations, switchgear, ATP/ATS, emergency power systems, and their control systems.
• 3 years of experience in mission critical facilities and their electrical infrastructure.

• Master's degree in Engineering, Business or other relevant field or a professional engineering license.
• 5 years of experience with mission-critical equipment/environments (e.g., switchgear, generators, chillers, cooling towers, air handling units, controls, security monitoring systems, fire safety systems).
• Experience in design, construction, and commissioning of high voltage substations, medium or low voltage electrical distribution systems, AC/DC systems, and associated power management or SCADA tools.
• Experience working with data center equipment and environments (e.g., switchgear, generators, transformers, controls, security monitoring systems, fire safety systems).

In this role you will:

• Participate in soliciting residential mortgages from various sources
• Produce high quality loans which 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 a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market
• Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
• Understand real estate appraisals, title reports, and real estate transactions
• Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs
• Review and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk
• Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
• Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements
• This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below

Required Qualifications:

• 2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education

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

Job Expectations:

• This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website(http://fedregistry.nationwidelicensingsystem.org)provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary
• Ability to lift 20+ pounds
• Reliable transportation
• Ability to work nights, weekends, and/or holidays as needed or scheduled

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

About this role:

Vasara is a joint venture between Technology and Quants, and you will be working within the Quant organization, with a focus on specific risk management and pricing solutions for our trading partners. The solutions will be tailored to practical needs, but expected to be asset agnostic, so that we achieve maximum consistency and re-usability.

Essential duties and responsibilities include:

• Partnership with Technology teams to enhance and improve the capabilities of the new strategic valuation and risk platform
• Integration of pricing and risk analytics in collaboration with other quant teams, providing expertise in design and implementation issues
• Effective communication and collaboration with Business Stakeholders, other Quant Teams, Technology Partners, and Project Management
• Analyze performance, propose remedial or optimization plans, and ensure execution to enhance the new strategic valuation and risk platform for the securities businesses
• Consistently deliver high-quality software and documentation in an Agile SDLC

In this role, you will:

• Proactively participate in complex software design & development activities within an Agile environment
• Contribute to large-scale project planning, balancing short and long-term objectives
• Use quantitative and technological techniques to solve complex business problems
• Meet deliverables while leveraging solid understanding of policies, procedures, and compliance requirements
• Collaborate and consult with peers, colleagues, and project managers to resolve issues and achieve goals
• Effectively communicate with and build consensus with all project stakeholders
• Serve as a mentor for less experienced staff

Required Qualifications:

• 5+ years of Securities Quantitative Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 5+ years of hands-on coding experience, Java and C++ are most relevant
• 5+ years of derivative product and market experience in one or more of the following areas: rates, foreign exchange, credit, equities and commodities
• 4+ years of Java experience with emphasis on functional programming
• 3+ years of C++ experience
• Experience with asynchronous event driven or reactive programming architectures
• Experience interpreting and solutioning for risk
• Excellent verbal, written, and interpersonal communication skills
• Master's degree or higher in computer science or finance/mathematics

Keywords: Athena, Quartz, Vasara, Market Risk, SecDB, C++, Quant, Developer

Pay Range

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Job Description:

We are looking for a proactive team player who takes ownership and accountability of projects, has strong organizational skills, and the ability to effectively manage competing priorities. Liaising with Legal, Compliance, Credit, Technology, Tax, Insurance, Regulatory Reporting and relevant external bodies may be required and is certainly suggested.

Job Requirements :

• Minium of 10 years energy sales & origination
• Extensive experience managing clients and understanding client needs.
• Candidates will need to have knowledge of physical & financial markets in US and Canada.
• Closing transactions that require collaboration from various internal stakeholders, including credit, legal, trading, risk, etc.
• Detail-oriented with a high level of integrity, honesty and professionalism
• Excellent communication skills (Verbal and Written)
• Strong team player; ability to act as a strong a strong partner and collaborator with the energy team, sharing market information and solving complex problems
• Ability to act as a liaison between various parties
• Proactive, self-starting individual with high levels of ownership. Highly motivated and ability to coach others in technical areas and problem solving. Demonstrate strong business analytical skills, problem solving abilities, initiative, and creativity
• Aptitude for building relationships and ability to communicate complex issues to a wide array of internal and external clients with differing levels of product experience.
• Ability to operate under pressure addressing time sensitive accountabilities in a fast-paced environment
• Ability to operate independently with sound judgement without supervision required
• Strong proficiency in use of MS Excel, Bloomberg as well as other MS Office products

A Bachelor's degree in Economics, Accounting, Finance, Engineering or a related field from an accredited post-secondary institution

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.