Private Mortgage Banker

4 weeks ago

Springfield, 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. You will build relationships with affluent borrowers, realtors, builders, financial professionals, and other non-traditional sources to develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace. You will stay informed of mortgage industry trends and developments in the assigned market and present recommendations for producing loans while exercising independent judgment. You will also understand real estate appraisals, title reports, and real estate transactions, receive customer applications, quote rates and points, and complete follow-up activities with 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, and match customer needs with an appropriate loan program and level of risk. You will inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures, and maintain a high standard of client satisfaction and quality by ensuring timely and proactive customer communication. You will also pursue Wells Fargo training offerings to increase knowledge of company products, policies, and procedures, and underwriting requirements. 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
  • Build relationships with affluent borrowers, realtors, builders, financial professionals, and other non-traditional sources
  • Stay informed of mortgage industry trends and developments in the assigned market
  • Present recommendations for producing loans while exercising 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 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
Required Qualifications for Europe, Middle East & Africa only:
  • Experience in Private Mortgage Banking Sales, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:

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
Benefits:

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
  • Health benefits
  • 401(k) Plan
  • Paid time off
  • Disability benefits
  • Life insurance, critical illness insurance, and accident insurance
  • Parental leave
  • Critical caregiving leave
  • Discounts and savings
  • Commuter benefits
  • Tuition reimbursement
  • Scholarships for dependent children
  • Adoption reimbursement
We Value Diversity:

At Wells Fargo, we believe in diversity, equity, and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran, or any other status protected by applicable law.

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