Community Lending Officer - Homestead - Spanish Language Fluency Preferred

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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 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 impact 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 Description:
This job is responsible for managing the end-to-end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. Key responsibilities include connecting with internal and external centers of influence (i.e. financial center partners, realtors, etc.) to originate mortgage transactions, identifying relationship deepening opportunities with clients, and facilitating the loan process from application to close. Job expectations include providing home buyer education via workshops and contacting with clients and partners virtually or in-person. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Responsibilities:

Originates loans from multiple internal and external referral sources
Understands the local Affordable Housing Market, Housing Assistance Programs, and experience, providing thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers
Achieves production goals as defined by the business
Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
Provides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
Conducts monthly Home Buyer Workshops and Business Development meetings

Required Qualifications:
2+ years of experience in loan originations and/or home buyer education
Knowledge of conventional and/or government guidelines as well as affordable mortgage products and programs
Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending
Ability to organize and deliver Home Buyer Workshop presentations
Strong written and verbal communications skills
Self-motivated and highly organized
Ability to prioritize multiple competing tasks​

Desired Qualifications:
Familiar with FHA and HUD guidelines
Knowledge of community housing counseling agencies
Knowledge of local competition product offerings and real estate market dynamics
Strong computer skills, including Microsoft applications and previous experience using laptop technology for client communication purposes including accessing rate, credit and loan status information
Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Ability to analyze and comprehend complex financial data and provide appropriate financial solutions
Professional and effective interpersonal skills

Skills:
Client Management
Customer and Client Focus
Loan Structuring
Oral Communications
Referral Management
Credit Documentation Requirements
Learning Delivery
Presentation Skills
Prospecting
Written Communications
Active Listening
Business Development
Credit and Risk Assessment
Data Collection and Entry
Pipeline Management

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.

Shift:
1st shift (United States of America)

Hours Per Week: 
40

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