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Private Mortgage Banker
Wells Fargo. Solicit residential mortgages from various sources and produce compliant, high-quality jumbo loans .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Private Mortgage Banking Sales, including compliance with the S.A.F.E. Mortgage Licensing Act and understanding of mortgage products and processes. Proven ability to build relationships with clients and industry professionals while maintaining high standards of customer satisfaction.
Highest-signal resume keywords
Private Mortgage Banking Sales ExperienceKnowledge Of Home MortgagesSAFE RegistrationExperience In Bank SalesUnderstanding Of Real Estate Lending
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Loan ProcessingMortgage ServicingLoan ClosingsFinancial Data AnalysisCredit ManagementMortgage SalesLoan Generation PracticesCompliance RequirementsReal Estate AppraisalsRisk Assessment
Soft Skills
Relationship BuildingProactive CommunicationClient Satisfaction Management
Certifications & Qualifications
SAFE RegistrationConsumer Financial Protection Bureau Loan Originator Qualification
Industry Keywords
Residential MortgagesJumbo LoansMortgage Industry TrendsLoan Production RecommendationsRegulation ZFinancial Responsibility StandardsCriminal Background Standards
About the role
Key responsibilities & impact- Solicit residential mortgages from various sources and produce compliant, high-quality jumbo loans
- Build relationships with affluent borrowers, realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
- Develop and maintain visibility for Wells Fargo Home Mortgage in the assigned market
- Stay informed of mortgage industry trends and developments
- Present loan-production recommendations and exercise independent judgment
- Understand and apply Private Mortgage Banking Sales policies, procedures, compliance requirements, and loan-generation practices
- Understand real estate appraisals, title reports, and real estate transactions
- Receive customer applications, quote rates and points, and complete registration lock-in follow-up activities
- Analyze and offer mortgage loan products based on client needs
- Review low to moderately complex financial and credit data and match customer needs with appropriate loan programs and risk levels
- Explain Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures
- Maintain client satisfaction and quality through timely, proactive communication
- Pursue Wells Fargo training offerings to increase knowledge of products, policies, procedures, and underwriting requirements
- Comply with the S.A.F.E. Mortgage Licensing Act of 2008, Regulation Z Loan Originator requirements, and related regulations
Requirements
What you’ll need- 2+ years of Private Mortgage Banking Sales experience, or equivalent demonstrated through one or a combination of work experience, training, military experience, or education
- Experience in bank sales, consumer lending, and credit management
- Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
- Knowledge of home mortgages, loan closings, and loan processing in a business environment
- Experience with loan servicing, mortgage banking, and mortgage licensing
- Demonstrated knowledge of mortgage sales, mortgage servicing, and private mortgage practices
- Understanding of real estate, real estate lending, and residential mortgage practices
- SAFE registration at the time of employment
- Must meet Consumer Financial Protection Bureau Loan Originator qualification requirements
- Must meet applicable financial responsibility, character, general financial fitness, and criminal background standards
- Must satisfy ongoing regulatory requirements, including additional screening if necessary
- Must provide accurate information and supporting documentation for lawful employment and education verification
Benefits
Comp & perks- Opportunity to earn additional commission
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
- Wells Fargo training offerings