Credit Solutions Advisor

2 weeks ago

Santa Clara, California, United States Bank of America Full time
Job Description:

This role is responsible for providing expert advice and guidance to clients through the full spectrum of borrowing and banking offerings. Key responsibilities include acquiring new and deepening existing client relationships by conducting client meetings and presenting customized solutions to help clients achieve their financial goals.

Responsibilities:
  • Recommend financial advice and guidance that align with clients' financial goals and needs
  • Build and deepen relationships with new and existing clients by leveraging the full capabilities of the bank
  • Analyze clients' financial needs and apply knowledge of borrowing and banking to recommend alternative or additional financial services that best align with clients' unique priorities
  • Connect with clients through outreach and pipeline management activities and conduct consistent follow-up routines to meet client needs
  • Make decisions on client requests and make referrals to appropriate internal partners based on client needs
  • Partner with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates during meetings to assist with team delivery of an exceptional client experience
Requirements:
  • Minimum of 2 years of mortgage origination experience or equivalent experience in a related role
  • Knowledge of credit and home lending requirements
  • Actively listens to clients to determine their needs and goals and has a desire to interact with clients proactively
  • Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone
  • Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information
  • Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution
  • Strong written and verbal communications skills
  • Ability to handle ambiguity and adapt to changing circumstances
  • Dedicated, enthusiastic, driven, and performance-oriented; possesses a strong work ethic
  • Can be flexible to work weekends and/or extended hours as needed
  • A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally
  • Ability to learn and understand technology
  • Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies
Desired Qualifications:
  • Experience working in a financial center where goals were met or exceeded
  • Knowledge in analyzing and comprehending complex financial data and providing financial alternatives
  • Knowledge of banking products and services
  • Solid time management skills and the ability to organize, prioritize, and perform multiple tasks simultaneously
  • Experience in a loan origination role in a retail environment and knowledge of mortgage products, structuring, processing, underwriting, and closing procedures
  • Federal regulations governing real estate lending, FHA and HUD guidelines, and other lending products
Skills:
  • Client Management
  • Client Solutions Advisory
  • Customer and Client Focus
  • Referral Identification
  • Risk Management
  • Client Experience Branding
  • Credit Documentation Requirements
  • Credit and Risk Assessment
  • Pipeline Management
  • Referral Management
  • Attention to Detail
  • Collaboration
  • Issue Management
  • Prospecting
  • Relationship Building

Bank of America is an equal opportunity employer and welcomes applications from diverse candidates. We are committed to creating a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse.

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