Community Mortgage Consultant

3 days ago

Fremont, United States HSBC Full time

Description

Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities, and the planet we all share.

The Community Mortgage Consultant will be responsible to originate high quality residential first lien mortgage loans that meet HSBC’s credit, compliance, workflow and other rules and guidelines.Counsel customers on various types of mortgage financing available, helping to choose a program best suited to their needs. Work closely with the customer to complete mortgage application, clearly set expectations, thoroughly answer questions, follow through to closing and resolve any problems that arise.

Develop and maintain long-term relationships with community development groups, affordable lending nonprofits, realtors, builders, attorneys, financial advisors and other external sources. Internally, this role will partner with Community Development Officers, Premier Relationship Managers and the Mortgage Originations team.

As our Community Mortgage Consultant you will :

  • Self-source diverse mortgage applicants, engaging in the local community

  • Originate complete and accurate mortgage applicationsrecognizing that programs may be complex, including closing cost coverage, down payment assistance, and 3rdparty grants

  • Work closely with first time homebuyers who will require extra attention to understand program options, mortgage guidelines and what to expect throughout the process.

  • Partner with community development groups and affordable lending nonprofits to establish referral relationships

  • Exceed customer expectations (both external and internal) at every touch point (phone, email, chat, etc.)

  • Fulfill expressed and unexpressed financial needs of clients

For this role, HSBC targets a fixed pay range between $80,000.00 and $95,000.00

The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.

At HSBC, our overall goal is to provide a competitive Total Reward Package, with an appropriate mix of fixed pay, and variable pay, as part of an employee’s overall total compensation and benefits. Variable pay generally takes the form of discretionary, annual awards (sometimes referred to as a “bonus”). Additionally, HSBC offers a wide range of competitive and flexible benefits designed to help you improve your health and well-being, finances, and lifestyle.

Qualifications

You´ll likely have the following qualifications to succeed in this role:

  • Minimum of an Associate’s degree or equivalent experience

  • Minimum of 3 years proven community mortgage sales experience with established community-based relationships

  • Established book of business

  • Spanish (preferable)

  • Experience with community loan programs and external/3rd party grant programs

  • Well-developed communication and interpersonal skills, as well as highly motivated

  • Strong working knowledge of mortgage products, qualification guidelines and mortgage application documentation

  • Strong knowledge of secondary market guidelines and compliance requirements

  • Strong knowledge with financial products and services as well as pertinent regulations impacting their delivery to customers

  • Incumbents in this role must successfully register with the Nationwide Mortgage Licensing System Registry (NMLSR) and must obtain a unique identifier through the registry that will be provided to consumers with whom the incumbent interacts. In addition, incumbents in this role must successfully renew their registration with the Nationwide Mortgage Licensing System Registry (NMLSR) annually

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming, diverse and inclusive work environment. You will be empowered to drive HSBC’s engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You’ll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.

Job Field: Asset and Wealth Management

Primary Location: North America-United States-California-Fremont

Other Locations: North America-United States-New York-Brooklyn, North America-United States-California-Beverly Hills, North America-United States-California-Irvine

Req ID: 0000KO7N

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