Enterprise Lending Officer

Job Description This position provides consumer lending advice to new-to-bank clients and external business development. The role applies mortgage lending principles and familiarity with Realtor, Builder, and Community contacts local to the market. The position may be responsible for residential mortgage loans and requires Safe Act registration. Responsibilities Provides exceptional client care by providing advice oriented solutions with Consumer Lending and Core Banking products Engages in community development, outside sales activities, and external networking to responsibly grow client and market share Understands lending processes and credit guidelines to best develop solutions for each client’s needs Manages daily client and loan pipelines with astute organization, follow up, and high degree of collaboration with loan fulfillment partners Leverages digital solutions, providing clients with a choice in preferred service pathways Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice conversations and fulfilling financial goals Required Skills and Experience Has 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources Demonstrated understanding of effectively managing a pipeline to deliver an exceptional client experience Has a strong knowledge of loan products Conventional, Jumbo and Government Demonstrated ability to understand, analyze, and document income, assets and liabilities properly to qualify clients for specific loan products Demonstrated understanding of processing, underwriting and/or closing procedures Has a working knowledge of federal regulations governing real estate lending Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals, builders, and other external referral partners in a compliant manner and within bank policy Has an ability to work independently Is a strong communicator, both written and verbal Is self-motivated and highly organized Can prioritize multiple competing tasks Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume Can be flexible to work weekends and or extended hours as needed to serve clients Desired Skills and Experience Familiarity with FHA and HUD guidelines Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously The ability to analyze and comprehend complex financial data and provide financial alternatives Professional and effective interpersonal skills An ability to take ownership, accountability and can demonstrate integrity Adaptability and can demonstrate flexibility A positive attitude Effective communication styles Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent Shift 1st shift (United States of America) Hours Per Week 40 Pay Transparency details US - NJ - Pennsauken - 4900 Route 70 - PENNSAUKEN BC (NJ7280), US - NY - Garden City - 1325 FRANKLIN AVE - MERRILL LYNCH (NY3325), US - NY - New York - 1133 Ave Of The Americas - 1133 Ave Of The Americas (NY1533) Pay range $65,000.00 - $73,000.00 annualized salary, offers determined based on experience, education and skill set. Formulaic incentive eligible This role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee’s performance against defined metrics. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. #J-18808-Ljbffr Bank of America