Credit Solutions Advisor - South Fontana

Job Description At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths – whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impacting the communities we serve. Bank of America is committed to an in‑office culture that supports collaboration, engagement, and career development. Our approach includes clear in‑office expectations while providing an appropriate level of flexibility based on role‑specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Summary This position is responsible for originating loans for clients with residential mortgage needs and serves as the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone, and providing products such as Auto Loans, Credit Cards and Core Banking products. The role balances sales performance, operational risk, and client relationship care. Because this position involves residential mortgage loan origination, it is subject to SAFE Act registration requirements and employees must register with the federal registry and maintain a valid background check. Responsibilities Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of the client’s life plan. Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank. Analyzes the client’s financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client’s unique priorities. Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging. Connects with clients through outreach and pipeline management activities and conducts consistent follow‑up routines to meet client needs. Responds to client requests and makes referrals to appropriate internal partners based on client needs. Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience. Required Qualifications Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, lead, build trust, deepen relationships, and deliver consultative sales and tailored financial solutions. Actively listens to the client 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 the ability to manage the full client end‑to‑end experience and problem resolution. Strong written and verbal communication 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. Proficiency in Mortgage Products (Conventional, Jumbo, HELOC, Government), Structuring, Processing, Underwriting and Closing procedures. Understanding of Federal regulations governing real estate lending, FHA and HUD guidelines. Experience with other lending products such as Credit Card and Vehicle Loans. Strong computer skills including Microsoft applications and previous experience utilizing laptop technology. 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 ProspectingRelationship Building Legal Information The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators. 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 - CA - Fontana - 11159 SIERRA AVE - SOUTH FONTANA BC (CA6257). Pay range: $25.00 - $29.61 hourly, offers to be 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