Private Mortgage Banker

4 weeks ago

Point Pleasant Beach, New Jersey, United States Wells Fargo Full time
About this role:

Wells Fargo is seeking a skilled professional to participate in soliciting residential mortgages from various sources. As a Private Mortgage Banker, you will be responsible for producing high-quality jumbo loans that are compliant and providing excellent customer service. Your primary focus will be on building relationships with affluent borrowers, realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources. You will also be expected to develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace, staying informed of mortgage industry trends and developments in the assigned market. Additionally, you will present recommendations for producing loans, exercise independent judgment, and develop an understanding of and adherence to Private Mortgage Banking Sales functional area, policies, procedures, compliance requirements, and generating loans. You will also be responsible for understanding real estate appraisals, title reports, and real estate transactions. Your duties will include receiving customer applications, quoting rates and points, and completing follow-up activities with the registration lock-in. You will 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, and inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures. You will maintain a high standard of client satisfaction and quality by ensuring timely and proactive customer communication. Pursuing Wells Fargo training offerings to increase knowledge of company products, policies, and procedures, and underwriting requirements is also a requirement. 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.

Key Responsibilities:
  • Participate in soliciting residential mortgages from various sources
  • Produce high-quality jumbo loans that are compliant and provide excellent customer service
  • Build relationships with affluent borrowers, 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
  • Present recommendations for producing loans and exercise independent judgment
  • Understand real estate appraisals, title reports, and real estate transactions
  • Receive customer applications, quote rates 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 a 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
Required Qualifications:
  • 2+ years of Private Mortgage Banking Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
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 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

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