Credit Solutions Advisor - McCarthy Ranch

Company: Bank of America
Location: Milpitas
Posted on: April 24, 2025

Job Description:

Credit Solutions Advisor - McCarthy RanchCredit Solutions Advisor - McCarthy RanchApply locations Milpitas time type Full time posted on Posted 3 Days Ago job requisition id 25015543Job Description:Credit Solutions Advisor IIAt 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 Responsibilities: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 client's life plan. 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. Job expectations include 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. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.Responsibilities:

• Recommends financial advice and guidance that align with the clients' financial goals and needs
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
• Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend alternative or additional financial services that best align with the client's unique priorities
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
• Makes decisions on 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 during meetings to assist with team delivery of an exceptional client experienceRequired Qualifications:
  • Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:
    • Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
    • Knowledge of credit and home lending requirements
    • 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 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; 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 is thorough and thoughtful in incorporating relevant regulatory due diligence as well as 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 and HELOC, Government)
      • 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 BuildingThe following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan OriginatorsMinimum Education Requirement: High School Diploma / GED / Secondary School or equivalentShift:1st shift (United States of America)Hours Per Week:40Pay Transparency detailsUS - CA - Milpitas - 20 Ranch Dr - McCarthy Ranch (CA3199) Pay range $26.00 - $28.41 hourly pay, offers to be determined based on experience, education and skill set. Formulaic incentive eligible. This role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee's performance against defined metrics. Benefits: This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.About UsBank of America is committed to help employees through the transition period when they're displaced as a result of a workforce reduction, realignment or similar measure.
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Keywords: Bank of America, Santa Clara , Credit Solutions Advisor - McCarthy Ranch, Other , Milpitas, California