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. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. 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. Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.
Responsibilities:
- Provides 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
- 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 financial services that best align with the client's unique priorities
- Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
- Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
- Responds to 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 regarding delivery of an exceptional client experience
Required Qualifications:
•Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, leadership ability, build trust, deepen relationships, and/or self-source business combined with a proven record in consultative sales and delivering tailored financial solutions
•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 in a loan origination role in a retail environment and knowledge of Mortgage Products (Conventional, Jumbo and HELOC, Government)
•Knowledge of credit and home lending requirements
•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
•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 Building
The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)Hours Per Week:
40Pay Transparency details
US - CA - Dublin - 4250 Dublin Blvd - Tassajara BC (CA4210)Pay and benefits informationPay range$26.00 - $30.83 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.Skills Required
- Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating client assessment, leadership, relationship building, self-sourced business, and consultative sales success.
- Bilingual Mandarin proficiency.
- High school diploma, GED, secondary school, or equivalent.
- Ability to actively listen, determine client needs, and proactively interact with clients.
- Professional, effective, and confident communication in person and by phone.
- Critical thinking and ability to analyze financial and credit data and apply product, pricing, and policy guidelines.
- Effective customer service skills and ability to manage the end-to-end client experience and resolve issues.
- Strong written and verbal communication skills.
- Ability to handle ambiguity and adapt to changing circumstances.
- Dedicated, enthusiastic, performance-oriented work ethic.
- Flexibility to work weekends and extended hours as needed.
- Team collaboration skills and ability to build productive internal and external relationships.
- Ability to learn and understand technology.
- Commitment to professional ethics, regulatory due diligence, and federal and state compliance policies.
- SAFE Act registration and completion of required background check and registration process.
- Experience in retail loan origination and knowledge of conventional, jumbo, HELOC, and government mortgage products.
- Knowledge of credit and home lending requirements.
- Experience working in a financial center where goals were met or exceeded.
- Ability to analyze complex financial data and provide financial alternatives.
- Knowledge of banking products and services.
- Time management, organization, prioritization, and multitasking skills.
- Knowledge of loan structuring, processing, underwriting, and closing procedures.
- Knowledge of federal real estate lending regulations and FHA/HUD guidelines.
- Knowledge of other lending products, including credit cards and vehicle loans.
- Strong computer skills, including Microsoft applications and laptop technology.
Bank of America Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bank of America and has not been reviewed or approved by Bank of America.
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Healthcare Strength — Health coverage is described as comprehensive, including medical, dental, and vision plans along with mental health resources, EAP support, and virtual care options. These offerings indicate breadth across preventive care, counseling, and convenient access channels.
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Retirement Support — Retirement benefits include up to a 5% 401(k) company match plus an additional 2% or 3% annual company contribution based on years of service. This structure signals meaningful long-term savings support beyond standard matching.
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Parental & Family Support — Family support features 26 weeks of parental leave, with 16 weeks fully paid for eligible employees, plus programs for fertility, adoption, surrogacy, childcare, and backup care. These resources emphasize support across family-building and caregiving needs.
Bank of America Insights
What We Do
We make financial lives better for our clients and our communities through the power of every connection. Our employees are at the heart of this purpose, and are key to driving responsible growth. Every day, across the globe, our employees bring a commitment to our purpose and to driving responsible growth by living our values: deliver together, act responsibly, realize the power of our people and trust the team. A key aspect of driving responsible growth is doing so in a sustainable manner, a critical pillar of which is being a great place to work for our teammates.
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