Centralized Lending Specialist (Mortgage Loan Officer) - Plano, TX

Job Summary This position is responsible for answering inbound calls and initiating outbound calls within a call center to assist new and existing clients with determining the best solution for financing the purchase of a home, refinancing an existing mortgage, or obtaining a new home equity line of credit. Key responsibilities include analyzing the client's financial goals, determining the most optimal lending product solution, submitting the mortgage application, assisting clients with gathering supporting loan documentation, and keeping clients informed throughout the mortgage loan process. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. Responsibilities Provides exceptional client care Answers inbound calls and makes outbound calls to provide new and existing clients with guidance and advice to uncover lending needs and assist them with determining the best solution Utilizes multiple technology systems to assist customers and referral partners Leverages defined lending processes and policies to meet guidelines and manage risks Communicates consistently with clients and business partners through outbound calls, email, and online messaging systems throughout the lending process Identifies opportunities through conversations with clients to recommend the bank's products through partner referrals as part of one team that delivers exceptional client care Required Qualifications Has 1+ year sales and/or mortgage experience Strong relationship‑deepening and client care mentality Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively Ability to assess client needs and suggest/promote alternative products or services Ability to learn all platform systems utilized within the environment and/or aptitude in system technologies Effectively customer service skills with ability to manage the full client end‑to‑end origination experience and problem resolution at key points in lending process Ability to work under pressure during high volumes Ability to build and maintain positive rapport with service partners Can prioritize multiple competing tasks Adaptability and flexibility to change Strong communicator, written, oral and non‑verbal Demonstrates solid sales production over a sustained time frame Flexibility to work weekends and/or extended hours as needed Communicates professionally and confidently and is comfortable engaging all clients over the phone Ability to handle multiple lines of business and models to support changing business needs Independently works with other business partners to expedite post‑sale issues or problem resolution Ability to effectively balance performance, operational risk, and client relationship care Commitment to professional ethic and thorough in incorporating regulatory due diligence and complying with all federal and state compliance policies Desired Qualifications Contact center experience Knowledge of loan products (Conventional, Jumbo, and Government) Can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information Familiarity with FHA and HUD guidelines Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending Ability to analyze and comprehend complex financial data and provide financial alternatives Strong consultative skills including the ability to ask critical questions to identify opportunities Skills Attention to Detail Client Solutions Advisory Customer and Client Focus Oral Communications Written Communications Client Management Loan Structuring Pipeline Management Problem Solving Collaboration Credit Documentation Requirements Critical Thinking Referral Identification Referral Management Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent Shift 1st shift (United States of America) Hours Per Week 40 #J-18808-Ljbffr Bank of America