Community Lending Officer - Galloway Road
Company: Disability Solutions
Location: Miami
Posted on: October 22, 2024
Job Description:
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. Responsible Growth is how we run our company and
how we deliver for our clients, teammates, communities and
shareholders every day.One of the keys to driving Responsible
Growth is being a great place to work for our teammates around the
world. We're devoted to being a diverse and inclusive workplace for
everyone. We hire individuals with a broad range of backgrounds and
experiences and invest heavily in our teammates and their families
by offering competitive benefits to support their physical,
emotional, and financial well-being.Bank of America believes both
in the importance of working together and offering flexibility to
our employees. We use a multi-faceted approach for flexibility,
depending on the various roles in our organization.Working at Bank
of America will give you a great career with opportunities to
learn, grow and make an impact, along with the power to make a
difference. 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 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:
- 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 businessAt Bank of America, we
are guided by a common purpose to help make financial lives better
through the power of every connection. Responsible Growth is how we
run our company and how we deliver for our clients, teammates,
communities and shareholders every day.One of the keys to driving
Responsible Growth is being a great place to work for our teammates
around the world. We're devoted to being a diverse and inclusive
workplace for everyone. We hire individuals with a broad range of
backgrounds and experiences and invest heavily in our teammates and
their families by offering competitive benefits to support their
physical, emotional, and financial well-being.Bank of America
believes both in the importance of working together and offering
flexibility to our employees. We use a multi-faceted approach for
flexibility, depending on the various roles in our
organization.Working at Bank of America will give you a great
career with opportunities to learn, grow and make an impact, along
with the power to make a difference. Join us!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 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:
- 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
- Knowledge of community housing counseling agencies
- Knowledge of community grant / downpayment programs
- Strong written and verbal communications skills
- Self-motivated and highly organized
- Ability to prioritize multiple competing tasks
- Desired Qualifications:
- Experience in first mortgage and HELOC
- Familiar with FHA and HUD guidelines
- 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 equivalentrelationships 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
meetingsSkills:
- 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 ManagementMinimum Education Requirement: High School
Diploma / GED / Secondary School or equivalentShift:1st shift
(United States of America)Hours Per Week: 40
Keywords: Disability Solutions, Key Largo , Community Lending Officer - Galloway Road, Other , Miami, Florida
Didn't find what you're looking for? Search again!
Loading more jobs...