Credit Solutions Advisor

Credit Solutions Advisor - Crown Valley CenterTo proceed with your application, you must be at least 18 years of age.At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We deliver Responsible Growth for our clients, teammates, communities and shareholders. We strive to be a Great Place to Work by fostering an inclusive workplace, attracting and developing talent, supporting teammates’ wellness, recognizing performance, and making a positive impact in the communities we serve.Job Description: This role originates loans for clients with residential mortgage needs and serves as the primary lending specialist in the financial center. Responsibilities include delivering First Mortgage and HELOC lending products in person or by phone and providing Auto Loans, Credit Cards, and Core Banking products. The role requires balancing sales performance, operational risk, and client relationship care. This position is subject to SAFE Act registration requirements, and employees must register with the federal registry and complete the SAFE Act background check and related processes. Failure to obtain and maintain SAFE Act registration may result in disciplinary action up to termination.Responsibilities:Provides specialized, personalized service offering advice and guidance to financial center clients across borrowing and banking offerings at each stage of the client life planBuilds and deepens relationships with new and existing clients by leveraging the bank’s full capabilitiesAnalyzes client financial needs and applies knowledge of borrowing and banking to recommend suitable financial servicesPresent housing lending product solutions, submit mortgage applications, assist clients with gathering required documentation, and keep clients informed throughout the mortgage process via outbound calls, email, and online messagingEngage with clients through outreach and pipeline management; conduct follow-ups to meet client needsRespond to client requests and refer to internal partners as appropriatePartner with financial center leaders, performance managers, and market leaders to provide guidance and coaching to associates for an exceptional client experienceRequired Qualifications:Minimum of 2 years of mortgage origination experience; or, in lieu of this, prior Bank of America roles such as Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor for 1 yearKnowledge of credit and home lending requirementsActive listening with a proactive client engagement mindsetProfessional, effective, and confident communication; comfortable engaging clients in person or by phoneCritical thinking to analyze financial and credit data and explain product/pricing policies and guidelinesStrong customer service skills with ability to manage end-to-end client experience and resolutionStrong written and verbal communication skillsAbility to handle ambiguity and adapt to changeDedicated, enthusiastic, driven, and performance-oriented with a strong work ethicFlexibility to work weekends or extended hours as neededTeam player, capable of collaboration and building productive internal/external relationshipsAbility to learn and understand technologyCommitment to professional ethics and compliance with all Federal and State policiesDesired Qualifications:Experience in a financial center with goal attainmentAbility to analyze complex financial data and present financial alternativesKnowledge of banking products and servicesStrong time management skills to handle multiple tasksExperience in loan origination in a retail environmentKnowledge of Mortgage Products (Conventional, Jumbo, HELOC, Government) and related structuring, processing, underwriting, and closing proceduresFHA and HUD guidelines; experience with other lending products (Credit Cards, Vehicle Loans)Strong computer skills, including MS Office and laptop-based toolsMinimum Education Requirement: High School Diploma / GED / Secondary School or equivalentEEO Statement: Bank of America and its affiliates are equal opportunity employers and do not discriminate in employment on the basis of race, religion, color, sex, sexual orientation, gender identity, age, national origin, ancestry, citizenship, protected veteran status, disability, or any other status protected by applicable law.California pay and benefits information$24.63 - $29.61 hourly pay, with offers determined by experience, education and skill set.Formulaic incentive eligibleThis role is eligible to participate in a formulaic incentive plan with incentives based on performance against defined metrics. #J-18808-Ljbffr