Sr. Lending Officer - Carolinas

Bank Of America Corporation Wilmington , NC 28412

Posted 4 months ago

Job Description:

At Bank of America, we're guided by a common purpose to help make financial lives better by connecting clients and communities to the resources they need to be successful. Make a difference where it counts by joining our industry-leading Consumer Lending team at Bank of America and Merrill Lynch. We're looking for people with focus and drive people who take the time to get to know clients, engage with them to understand what's important to them, and provide the lending solutions, service and expertise they need to achieve their financial goals.

As part of the Bank of America team, senior lending officers (Sr. LOs) have access to industry leading products and services, award winning platforms and a team of dedicated loan coordinators and underwriters all designed to meet the unique life priorities of our clients. Sr. LOs continually identify, develop and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. They also partner closely with financial center employees as part of one team that delivers exceptional client care.

The Sr. LO is responsible for originating retail mortgage loans and other lending products through uncovering client needs and matching them to our lending solutions. Contact with clients may be either by telephone or in-person. The Sr. LO proactively solicits new residential mortgage business and sells Bank of America lending products to meet established loan quality and production goals.

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 your position requires SAFE Act registration, you will be 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

We'll help you

  • Get training and one-on-one coaching from managers who are invested in your success. You'll take part in additional training and development through our Academy to develop in your role.

  • Grow your network to eventually grow your business. Leverage our relationships with one out of two U.S. households. Starting at a financial center, you'll interact with banking clients and small business owners alike. You'll also tap into a range of experts, from small business bankers to financial solutions advisors.

  • Provide end-to-end comprehensive lending guidance and solutions to prospective borrowers by uncovering their life priorities, analyzing financial and credit data, and determining client financing objectives.

  • Stay informed on changing market conditions, business trends and regulatory requirements by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.

  • Demonstrate a commitment to professional ethics, as well as conform to all federal and state compliance policies and adhering to Home Mortgage Disclosure Act (HMDA) requirements.

As a senior lending officer, you can look forward to

  • Providing exceptional client care with industry-leading products, services, education and a dedicated team of loan coordinators and underwriters.

  • Building a quality external network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. Sources may consist of real estate professionals, builders, and professional and personal contacts.

  • Expanding your reach further through participation in business related development opportunities, community efforts to promote homeownership and professional organizations.

  • Robust marketing strategies to reach wider audiences with greater appeal.

  • Ongoing professional development to deepen your skills as the industry evolves and changes.

  • A world-class suite of employee benefits.

You're a person who (required skills)

  • Has 2+ years of experience in a loan origination role with a focus on generating self-sourced business through a verifiable, established network of referral sources.

  • Understands how to manage pipeline effectively.

  • Has a strong knowledge of loan products (conventional, jumbo and government).

  • Has the ability to analyze income and assets properly in order to qualify clients for specific loan products.

  • Understands processing, underwriting and/or closing procedures.

  • Has a working knowledge of federal regulations governing real estate lending

  • Can work independently.

  • Is a strong communicator, both verbally and in writing.

  • Is self-motivated and highly organized.

  • Can prioritize multiple competing tasks.

  • Uses appropriate interpersonal styles, communication methods and approaches to gain clients.

  • Understands the connection of the level of service provided being directly correlated to driving sales volume.

  • Can be flexible to work weekends and/or extended hours as needed.

You'll be better prepared if you have (desired skills)

  • Familiarity with FHA and HUD guidelines.

  • Strong computer skills including Microsoft applications and previous experience using laptop technology for 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.

  • The ability to analyze and comprehend complex financial data and provide financial alternatives.

  • Professional and effective interpersonal skills.

  • An ability to take ownership and accountability and can demonstrate integrity.

  • Adaptability and can demonstrate flexibility.

  • A positive attitude.

  • Effective communication styles.

We're a culture that

  • Is committed to building a workplace where every employee is welcomed and given the support and resources to build and advance their careers. Along with taking care of our clients, we want to be a great place for people to work, and we strive to create an environment where all employees have the opportunity to achieve their goals.

  • Believes diversity makes us stronger, so we can reflect, connect to and meet the diverse needs of our clients around the world.

  • Provides continuous training and developmental opportunities to help employees achieve their goals, whatever their background or experience.

  • Is committed to advancing our tools, technology, and ways of working. We always put our clients first to meet their evolving needs.

  • Believes in responsible growth and is dedicated to supporting communities around the world by connecting them to the lending, investing and giving they need to remain vibrant and vital.

Posting Date: 07/18/2019

Location: Savannah, GA, 22 Bull St (GA0200), Charlotte, NC, 9115 Harris Corners Pkwy (NC2905), Asheville, NC, Asheville Skyland BC, 1896 Hendersonville Rd, Boone, NC, Boone Main BC, 1800 Blowing Rock Rd, Greensboro, NC, Friendly Center Branch BC, 629 Green Valley Rd, Raleigh, NC, Crabtree Valley BC, 4317 Glenwood Ave, Durham, NC, Durham Woodcroft BC, 4811 Hope Valley Rd, Greenville, NC, SOUTH PARK BC, 317 Greenville Blvd SE, Wilmington, NC, Hanover BC, 3305 Oleander Dr, Hilton Head Island, SC, INDIGO RUN OFFICE, 21 Hatton Pl, Charleston, SC, 540 Folly Rd (SC1344), Myrtle Beach, SC, Myrtle Beach Motor Bank, 2501 N Oak St, Columbia, SC, Rice Creek BC, 4601 Hardscrabble Rd, - United States

Travel: No

Full / Part-time: Full time

Hours Per Week: 40

Shift: 1st shift

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Director Business Technology US Credit Cards & Unsecured Lending

TD Bank Group

Posted 2 days ago

VIEW JOBS 10/16/2019 12:00:00 AM 2020-01-14T00:00 Job Requirements Must be eligible for employment under regulatory standards applicable to the position. * Accountable executive for US Credit Card Technology Accountability includes: IT strategy and associated roadmap, project delivery, operational stability and scalability * Defines vision, strategy and priorities for US CC Technology in alignment with: North American Credit Cards and Merchant Services & TD Insurance Technology Solutions (NACCMS & TDI TS) business and technology strategy; Enterprise Technology objectives (e.g., DASH) * Provides thought leadership and innovation with regards to technology and associated impact on US CCMS, leveraging enterprise teams, NACCMS Architecture and industry trends * Develops and nurtures IT talent for NACCMS & TDI TS and the Enterprise TS, including actionable succession plans and a strong bench * Consistently delivers on productivity and service targets * Proactively manages risk and compliance for US CC Technology Ensures system availability for US CC systems leveraging NACCMS and TDI OSS Level 2 support and Technology Shared Services * Shapes the US CC strategy with the US CC business and Shared Services leaders * Drives consistency and reduces cost of developing and maintaining IT assets while improving overall delivery capability * Ensures execution of Enterprise action plans for Employee Engagement and Communications Meets regulatory and risk expectations in partnership with Risk, COLA and Regulatory organizations Job Description The Director Business Technology US Credit Cards has oversight for supporting all business technology within TD's US Credit Card portfolio, including US Bank Card, Retail Card Services and Strategic Partnerships. The role is accountable for US Credit Card technology, including IT strategy and associated road map, project delivery, and operational stability and scalability. The Director interacts with senior executives across the bank, as well vendors and partners, to appropriately address technology demands. This includes ensuring appropriate levels of technology controls exist to protect business risk, in alignment with Federal and Industry based regulations, and compliance with internal standards Qualifications * Bachelor's degree or post-graduate degree * Relevant work experience in Credit Card technology with a broader understanding across multiple IT disciplines * Demonstrated success supporting a major business' needs, interacting effectively to determine requirements, define strategy and deliver solutions * Substantial experience in technology risk management that includes expertise in the areas of operational risk management (ORM), Technology Risk and IS security; The ideal candidate possesses broader skills than a highly technical CISO; Likewise, the ideal candidate is likely more knowledge of technology issues than a pure ORM * Possesses the leadership skills needed to work at this, and eventually at higher levels, within the TDBFG organization * Experience within a high transaction, large/complex/matrix business environment; Financial services experience is ideal * Has managed a multi-site team of at least 20 professionals/specialists * Deep knowledge of IT security and Risk disciplines and practices * Deep knowledge of the U.S. Regulatory landscape and impact to IT control governance * Ability to make an impact and execute on key strategies * Ability to articulate technology into business solutions * Excellent client engagement/management skills * Possesses exceptional strategic thinking, planning and relationship skills * Ability to influence management and build credibility across the organization * A proven collaborative and engaging leader who partners well with others; the individual will partner with divisional CIOs, business heads, vendors, auditors, Operational Risk teams, regulators and counterparts at other financial institutions * Ability as a leader to influence change within a dynamic regulatory environment, and a focused expense management culture * Highly motivated individual with a track record of successfully implementing large scale and globally sourced programs with superior results * Outstanding people management, leadership and coaching skills * Thrives in a fast paced environment, managing multiple deadlines and competing priorities * Strong communicator, with excellent oral, written and presentation skills * Proven ability to work with third party regulators Employment Type Regular TD Bank Group Wilmington NC

Sr. Lending Officer - Carolinas

Bank Of America Corporation