Centralized Lending Specialist - Plano, TX

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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 answering inbound calls and initiating outbound calls within a call center to assist new and existing clients with determining the best solution for financing the purchase of a home, refinancing an existing mortgage, or obtaining a new home equity line of credit. Key responsibilities include analyzing the clients financial goals, determining the most optimal lending product solution, submitting the mortgage application, assisting clients with gathering supporting loan documentation, and keeping clients informed throughout the mortgage loan process. 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:

• Provides exceptional client care

• Answers inbound calls and make outbound calls to provide new and existing clients with guidance and advice to uncover lending needs and assist them with determining the best solution

• Utilizes multiple technology systems to assist customers and referral partners

• Leverages defined lending processes and policies to meet guidelines and manage risks

• Communicates consistently with clients and business partners through outbound calls, email, and online messaging systems throughout the origination and restructure process

• Identifies opportunities through conversations with clients to recommend the bank's products through partner referrals as part of one team that delivers exceptional client care

Skills:

• Attention to Detail

• Client Solutions Advisory

• Customer and Client Focus

• Oral Communications

• Written Communications

• Client Management

• Loan Structuring

• Pipeline Management

• Problem Solving

• Collaboration

• Credit Documentation Requirements

• Critical Thinking

• Referral Identification

• Referral Management

Required Qualifications:

• Has 1+ year sales, mortgage or contact center experience

• Has a strong relationship-deepening and client care mentality

• Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.

• Has an ability to assess client needs and suggest/promote alternative products or services

• Has ability to learn all platform systems utilized within the environment and/or aptitude in system technologies

• Has effective customer service skills with ability to manage the full client end-to-end origination experience and problem resolution at key points in lending process

• Has an ability to work under pressure during high volumes

• Has an ability to build and maintain positive rapport with service partners

• Can prioritize multiple competing tasks

• Has adaptability and is flexible to change

• Is a strong communicator, written, oral and non-verbal

• Demonstrates solid sales production over a sustained time frame

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

• Communicates professionally, effectively and confidently and is comfortable engaging all clients over the phone.

• Has an ability to handle multiple lines of business and models to support changing business needs

• Independently works with other business partners to expedite post-sale issues or problem resolution

• Has the ability to effectively balance performance, operational risk, and client relationship care.

• Demonstrates a commitment to professional ethic and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State Compliance policies.

Desired Qualifications:

• Has knowledge of loan products (Conventional, Jumbo and Government)

• Can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.

• Familiarity with FHA and HUD guidelines

• Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending

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

• Strong consultative skills including the ability to ask critical questions to identify opportunities

Shift:
1st shift (United States of America)

Hours Per Week:
40

Learn more about this role

Transcript

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[Music in background throughout]

At Bank of America, I get to help our valued clients every day.

On screen copy:

Lending Specialist

As a Lending Specialist, my job is to uncover client needs and match them with lending products and services.

[Lending Specialist wearing a headset, speaking with clients over the phone.]

Throughout the entire loan process, I'm the point of contact for my clients.

On screen copy:

A part of huge milestones in my clients' lives

The most fulfilling part of my job is that I get to be part of such a huge milestone in my clients' lives and help them reach their financial goals.

I also look for opportunities to deepen each client's relationship with Bank of America by introducing them to my partners for other financial needs.

Bank of America is focused on client care and gives me the support I need to help clients through every financial stage.

As the lending expert, my clients depend on me to help them through the loan process.

Fortunately, I have access to industry-leading sales tools and technology to help grow my business and online resources that help me find the information I need.

At times, it's important for me to manage my business pipeline by contacting clients, following up with realtor partners and staying current on training.

I get one-on-one coaching from managers who care about helping me reach my goals.

I also get a lot of support from my close-knit team. We encourage and mentor each other along the way, sharing successes and helping each other grow and develop.

[Lending Specialist speaking in a team meeting. Listening to an instructor in a classroom.]

On screen copy:

Trained by the award-winning Academy and Bank of America

On screen copy:

The Academy at Bank of America

Dedicated Support

Dedicated Training Time

Classroom Training

I was set up for success from day one with the onboarding I received through the award-winning Academy at Bank of America. There was dedicated support, dedicated training time and classroom training.

I am always learning. From my first day to today, The Academy has equipped me with all the knowledge, skills and resources I need to help me be more successful and build a long-term career here.

On screen copy:

Competitive Benefits

• Paid Time Off

• Tuition Reimbursement

• 401(k)

• Health, Dental & Vision

• Career Planning

• Child Care Reimbursement for Income-Eligible Employees

I am thankful to work for a company that promotes inclusion and understanding and that truly cares about me with great benefits like child care and tuition reimbursement.

I know Bank of America is invested in helping me reach my full potential, so I can help my clients reach theirs.

We all have goals. Pursue yours at Bank of America.

On screen copy:

Bank of America ® logo

Learn more: bankofamerica.com/Careers

On screen disclosures:

Bank of America and its affiliates recruit and hire qualified candidates without regard to race, religion, color, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, protected veteran or disability, or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concepts of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. We also prohibit discrimination on other bases such as ancestry, medical condition, or marital status under applicable laws. Candidates must possess authorization to work in the United States, as it is not the practice of Bank of America to sponsor individuals for work visas.

Bank of America, N.A. Member FDIC. ©2023 Bank of America Corporation.

[End of transcript]

MAP-6094060 Exp-05/14/25