Community Lending Officer - Galloway Road

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 Responsibilities: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.Connect with internal and external centers of influence (i.e. financial center partners, realtors, etc.) to originate mortgage transactions.Identify relationship deepening opportunities with clients and facilitate the loan process from application to close.Provide home buyer education via workshops and contact with clients and partners virtually or in-person.This position is subject to SAFE Act registration requirements.Responsibilities:Originates loans from multiple internal and external referral sources.Understands the local Affordable Housing Market, Housing Assistance Programs, and provides 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 ManagementCustomer and Client FocusLoan StructuringOral CommunicationsReferral ManagementCredit Documentation RequirementsLearning DeliveryPresentation SkillsProspectingWritten CommunicationsActive ListeningBusiness DevelopmentCredit and Risk AssessmentData Collection and EntryPipeline ManagementMinimum Education Requirement:

High School Diploma / GED / Secondary School or equivalentShift:

1st shift (United States of America)Hours Per Week:

40

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