Centralized Lending Specialist
Company: Disability Solutions
Location: Plano
Posted on: October 24, 2024
Job Description:
Job Description:At Bank of America, we are guided by a common
purpose to help make financial lives better through the power of
every connection. Responsible Growth is how we run our company and
how we deliver for our clients, teammates, communities and
shareholders every day.One of the keys to driving Responsible
Growth is being a great place to work for our teammates around the
world. We're devoted to being a diverse and inclusive workplace for
everyone. We hire individuals with a broad range of backgrounds and
experiences and invest heavily in our teammates and their families
by offering competitive benefits to support their physical,
emotional, and financial well-being.Bank of America believes both
in the importance of working together and offering flexibility to
our employees. We use a multi-faceted approach for flexibility,
depending on the various roles in our organization.Working at Bank
of America will give you a great career with opportunities to
learn, grow and make an impact, along with the power to make a
difference. Join us!Job Description: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 origination and restructure 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 careSkills:
- 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 ManagementRequired Qualifications:
- Has 1+ year sales, mortgage or contact center experience
- Has a strong relationship-deepening and 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 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 opportunitiesShift:1st shift (United
States of America)Hours Per Week: 40
Keywords: Disability Solutions, Euless , Centralized Lending Specialist, Other , Plano, Texas
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