Nov 15, 2019
Job Description At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams. We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed. 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. We have an immediate opening for a Community Home Mortgage Consultant (CHMC). This individual is responsible for focusing on serving our customers while soliciting and producing high quality residential mortgages that meet Wells Fargo Home Mortgage guidelines. This role will serve assigned community markets and develop and maintain relationships while working with various sources including; realtors, builders, financial professionals, minority trade organizations, non-profit housing agencies supporting first-time home buyers, new and existing bank customers, and other community referral sources, while providing excellent customer service and Advancing Home Ownership. The CHMC should reside and have extensive market knowledge and presence in the assigned geography supported. There will be a required amount of time, as defined by WF, to be spent in an assigned WF Bank branch located in a diverse or low to moderate community, supporting the team and its customers. This position includes base pay plus incentive. Additional duties include: Develop knowledge of company products, policies and procedures, and underwriting requirements Obtain and maintain the following certifications, as defined by WF: Bond & WF Funded DAP, WF Non-Funded DAP, Diverse Segments & CRA, VA/Military and Union Certification Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in Develop and maintain a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required Required Qualifications 1+ year of sales experience in financial services, outside sales experience, or a combination of both Desired Qualifications Basic Microsoft Office skills Documented experience over the past 12 months of retail residential mortgage fundings primarily referred from established local external sources Knowledge and understanding of government and conventional loans A BS/BA degree or higher Customer service experience Mortgage industry experience Excellent verbal, written, and interpersonal communication skills Knowledge and understanding of sales prospecting and generating referrals Strong presentation skills Strong relationship management skills Other Desired Qualifications Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources; knowledge of conforming and government products and programs Bilingual speaking proficiency 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) web site (http://fedregistry.nationwidelicensingsystem.org ) 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. Must successfully complete the following WF designated trainings for ongoing employment in this position: Bond & WF Funded DAP, WF Non-Funded DAP, Advancing Homeownership, and VA/Military and Union Training Ability to lift 20+ pounds Reliable transportation Ability to work nights, weekends, and/or holidays as needed or scheduled This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Street Address MN-Lakeville: 8790 207th St W - Lakeville, MN Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.
Burnsville, MN, USA