Credit Solutions Advisor - Totem Lake
Company: Disability Solutions
Location: Kirkland
Posted on: October 24, 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
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. 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:
- 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 BuildingMinimum Education Requirement: High School
Diploma / GED / Secondary School or equivalentShift:1st shift
(United States of America)Hours Per Week: 40Pay Transparency
detailsUS - WA - Kirkland - 12424 Totem Lake Blvd Ne - TOTEM LAKE
BC (WA3170)Pay and benefits informationPay range$24.04 - $28.41
hourly pay, offers to be determined based on experience, education
and skill set.Formulaic incentive eligibleThis 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.BenefitsThis 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.
Keywords: Disability Solutions, Sammamish , Credit Solutions Advisor - Totem Lake, Other , Kirkland, Washington
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