Credit Solutions Advisor - Magnolia and Tyler - Spanish Language Fluency Preferred

Responsibilities Provide 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 their life plan. Build and deepen relationships with new and existing clients by leveraging the full capabilities of the bank. Analyze the client's financial needs and apply knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities. Present potential home lending product solutions, submit mortgage applications, assist clients with gathering supporting loan documentation, and keep clients informed throughout the mortgage loan process through outbound calls, email, and online messaging. Connect with clients through outreach and pipeline management activities and conduct consistent follow‑up routines to meet client needs. Respond to 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 associates regarding delivery of an exceptional client experience. Deliver First Mortgage and HELOC lending products in person or by telephone and provide additional products such as Auto Loans, Credit Cards, and Core Banking products. May be responsible for originating residential mortgage loans and is subject to SAFE Act registration requirements. Employees must register with the federal registry system and remain in good standing to comply with all SAFE Act requirements. Required Qualifications Minimum of 2 years mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, leadership ability, build trust, deepen relationships, and self‑source business combined with a proven record in consultative sales and delivering 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 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 gather additional required information. Has effective customer service skills and the ability to manage the full client end‑to‑end experience and resolve problems. 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 thoroughly incorporates relevant regulatory due diligence while 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 (Conventional, Jumbo, HELOC, Government). Understanding of structuring, processing, underwriting, and closing procedures. Familiarity with Federal regulations governing real estate lending (FHA, HUD guidelines). Experience with other lending products (Credit Card, Vehicle Loans). Strong computer skills including Microsoft applications and 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 Prospecting Relationship Building Shift & Hours 1st Shift, 40 hours per week. Compensation Hourly pay range: $25.00 – $29.61. Eligible for a formulaic incentive plan based on performance metrics. Benefits Benefits eligible. The organization provides industry‑leading benefits, paid time off, health, dental and vision, retirement savings plans, and additional wellness resources. Legal & Regulatory Requirements May be required to register under the SAFE Act and meet all related compliance requirements. Hiring is restricted by FDIC and SAFE Act/Loan Originators regulations based on criminal history. Education Minimum education requirement: High School Diploma, GED, or equivalent secondary school education. #J-18808-Ljbffr Bank of America