Credit Solutions Advisor - Dublin Financial Center

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Credit Solutions Advisor - Dublin Financial Center Dublin, California Additional locations Apply × To proceed with your application, you must be at least 18 years of age.

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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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us

Job Description

This job is responsible for providing 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 clients life plans. Key responsibilities include:

• Acquiring new and deepening existing client relationships by conducting client meetings and presenting customized solutions to clients to help them achieve their financial goals.
• Effectively balancing sales performance, operational risk, and client relationship care by leveraging expertise.
• 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 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 clients life plans.
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank.
• Analyzes clients financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the clients 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 the 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, leadership ability, build trust, deepen relationships, and/or 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 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 communications skills.
• Ability to handle ambiguity and adapt to changing circumstances.
• Dedicated, enthusiastic, driven, and performance-oriented, with 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 and complying with all Federal and State compliance policies.

Desired Qualifications

• Experience in a loan origination role in a retail environment and knowledge of Mortgage Products, Conventional, Jumbo, and HELOC, Government.
• Knowledge of credit and home lending requirements.
• 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 Structuring, Processing, underwriting, and closing procedures.
• Federal regulations governing real estate lending, FHA, and HUD guidelines.
• Other Lending Products, Credit Card, Vehicle Loans.
• Strong computer skills, including MS 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
• Prospecting
• Relationship Building

Laws or Regulations

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position of Credit Solutions Advisor II. FDIC Safe Act. Loan Originators Minimum Education Requirement. High School Diploma, GED, or Secondary School or equivalent.

Shift

1st shift United States of America Hours Per Week: 40

Learn more about this role View transcript Close transcript Music in background throughout

At Bank of America, I get to make a difference every day. As a Credit Solutions Advisor, my job is to provide clients with guidance and advice and to uncover their consumer lending and financial needs and match them to the right lending and banking solutions that will work for every stage of their life. I deliver a high-tech, high-touch client experience through access to our award-winning digital capabilities. Bank of Americas mobile app is accessed, showing a fictional Completed Bill Pay screen, then fictional Erica interactions. On screen copy Weekly spending snapshot. I proactively connect with clients and regularly follow up to ensure I meet their banking and lending needs. On screen copy Accomplishing performance goals through needs-based analysis and client follow-up. Clients expect digital solutions. I deliver for clients by connecting them to our digital tools as the first-choice option. While no single day may be the same as the other, I have to be efficient and leverage the expertise of my teammates. On screen copy Team environment. I have the benefit of being a part of a team and have access to best-in-class digital solutions to do my job as efficiently as possible. We deliver together and trust in our teammates to achieve our common purpose of driving responsible growth. As a result, I earn a base pay plus incentives. On screen copy Meeting my individual and team performance goals is important and I earn a base pay plus incentives for meeting my goals. Every morning, I participate or lead the morning business brief with my Financial Center teammates, where we practice skill-building activities, discuss performance, and upcoming appointments. I feel lucky to have access to a tremendous client base with Bank of America. Because I work in the Financial Center, I am able to greet clients whether they walk in for a traditional banking need or for an appointment. Bank of America is focused on client care and gives me the support I need to build strong relationships. We are focused on delivering together, realizing the power of our people, trusting the team, and acting responsibly. I have access to industry-leading products, services, and technology, award-winning platforms, and a dedicated support team. On screen copy Access to industry-leading products, services, and technology, all designed to help me fulfill the financial needs associated with the unique life priorities of our clients and simplify our clients experience by providing direct solutions. It is important for me to drive client delight by staying connected with our clients and following up on their needs internally and externally. Equally, staying current on all internal training requirements is key. On screen copy Manage my business pipeline by:

• Contacting clients
• Following up with internal and external partners
• Staying current on training

Being part of the Financial Center team allows my teammates to refer clients to me so I can assist with an array of financial solutions, including home lending, auto lending, credit card, and traditional banking solutions. On screen copy I can assist with an array of financial solutions, including:

• Home Lending
• Auto Lending
• Credit Card
• Traditional Banking Solutions

Depending on my clients needs, I maintain a flexible schedule to work Saturdays as needed. We act as one team by connecting our clients to the right specialist through personal introductions and appointments. My leadership team provides the guidance I need to be successful through in-person or over-the-phone coaching. On screen copy Regular meetings with your manager to make your goals a reality

As a Credit Solutions Advisor, you will participate in Bank of Americas award-winning Academy. It starts on your first day with an immersive onboarding program that includes formal training, dedicated support, and training time. On screen copy Trained by the award-winning Academy at Bank of America, Brandon Hall Gold Award for Learning and Development

The Academys defined career paths and development opportunities are what have enabled me to thrive in my career. I am thankful to work for a company that promotes inclusion and understanding and that truly cares about me with so many great benefits, including paid time off, competitive pay, and even tuition reimbursement. On screen copy Competitive Benefits:

• Paid Time Off
• Tuition Reimbursement
• 401k
• Health, Dental & Vision
• Career Planning
• Child