Centralized Lending Specialist

Centralized Lending Specialist (Mortgage Loan Officer) - Plano, TXPlano, Texas To proceed with your application, you must be at least 18 years of age. AcknowledgeJob Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America 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. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join usJob 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 careAnswers inbound calls and makes outbound calls to provide new and existing clients with guidance and advice to uncover lending needs and assist them with determining the best solutionUtilizes multiple technology systems to assist customers and referral partnersLeverages defined lending processes and policies to meet guidelines and manage risksCommunicates consistently with clients and business partners through outbound calls, email, and online messaging systems throughout the lending processIdentifies opportunities through conversations with clients to recommend the bank's products through partner referrals as part of one team that delivers exceptional client careRequired Qualifications:Has 1+ year sales and mortgageHas a strong relationship-deepening and client care mentalityActively listens to the client to determine their needs and goals and has a desire to interact with clients proactivelyHas an ability to assess client needs and suggest/promote alternative products or servicesHas ability to learn all platform systems utilized within the environment and/or aptitude in system technologiesHas effective customer service skills with ability to manage the full client end-to-end origination experience and problem resolution at key points in lending processHas an ability to work under pressure during high volumesHas an ability to build and maintain positive rapport with service partnersCan prioritize multiple competing tasksHas adaptability and is flexible to changeIs a strong communicator, written, oral and non-verbalDemonstrates solid sales production over a sustained time frameCan be flexible to work weekends and/or extended hours as neededCommunicates professionally, effectively and confidently and is comfortable engaging all clients over the phoneHas an ability to handle multiple lines of business and models to support changing business needsIndependently works with other business partners to expedite post-sale issues or problem resolutionHas the ability to effectively balance performance, operational risk, and client relationship careDemonstrates 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 policiesDesired Qualifications:Has contact center experienceHas 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 informationFamiliarity with FHA and HUD guidelinesKnowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lendingThe ability to analyze and comprehend complex financial data and provide financial alternativesStrong consultative skills including the ability to ask critical questions to identify opportunitiesSkills:Attention to DetailClient Solutions AdvisoryCustomer and Client FocusOral CommunicationsWritten CommunicationsClient ManagementLoan StructuringPipeline ManagementProblem SolvingCollaborationCredit Documentation RequirementsCritical ThinkingReferral IdentificationReferral ManagementMinimum Education Requirement: High School Diploma / GED / Secondary School or equivalentFor Internal Employees- Participation in a work from home posture does not make you ineligible to post.Shift: 1st shift (United States of America)Hours Per Week: 40Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.