Credit Solutions Advisor - McCarthy Ranch

Company: Bank of America
Location: Milpitas
Posted on: May 29, 2025

Job Description:

Credit Solutions Advisor - McCarthy RanchAt 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
      • 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
        • Client Experience Branding
        • Credit Documentation Requirements
        • Credit and Risk Assessment
        • Referral Management
        • Attention to Detail
        • Issue Management
        • Prospecting
        • Relationship BuildingThe 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 OriginatorsMinimum Education Requirement: High School Diploma / GED / Secondary School or equivalentAt Bank of America, I get to make a difference every day. As a Credit Solutions Advisor, my job is to provide clients with guidance and advice, and to uncover their consumer lending and financial needs, and match them to the right lending and banking solutions that will work for every stage of their life. I deliver a high-tech, high-touch client experience through access to our award-winning digital capabilities.[Bank of America mobile app is accessed, showing first fictional Completed Bill Pay screen, then fictional Erica interactions.]Weekly spending snapshotI proactively connect with clients and regularly follow up to ensure I meet their banking and lending needs.Accomplishing performance goals through needs-based analysis and client follow-upClients expect digital solutions. I deliver for clients by connecting them to our digital tools as the first-choice option. While no single day may be the same as the other, I have to be efficient and leverage the expertise of my teammates.I have the benefit of being a part of a team and have access to best-in-class digital solutions to do my job as efficiently as possible.We deliver together and trust in our teammates to achieve our common purpose of driving responsible growth. As a result, I earn a base pay plus incentives.Meeting my individual and team performance goals is important, and I earn a base pay plus incentives for meeting my goals.Every morning, I participate or lead the morning business brief with my Financial Center teammates where we practice skill-building activities, discuss performance and upcoming appointments.I feel lucky to have access to a tremendous client base with Bank of America. Because I work in the Financial Center, I'm able to greet clients whether they walk in for a traditional banking need or for an appointment.Bank of America is focused on client care and gives me the support I need to build strong relationships. We are focused on delivering together, realizing the power of our people, trusting the team and acting responsibly.I have access to industry leading products, services and technology, award winning platforms, and a dedicated support team,Access to industry leading products, services, and technologyall designed to help me fulfill the financial needs associated with the unique life priorities of our clients and simplify our clients' experience by providing direct solutions.It is important for me to drive client delight by staying connected with our clients and following up on their needs internally and externally. Equally, staying current on all internal training requirements is key.Manage my business pipeline by:--- Following up with internal and external partners--- Staying current on trainingBeing part of the Financial Center team allows my teammates to refer clients to me so I can assist with an array of financial solutions including home lending, auto lending, credit card and traditional banking solutions.I can assist with an array of financial solutions including:--- Traditional Banking SolutionsDepending on my clients' needs, I maintain a flexible schedule to work Saturdays, as needed. We act as one team by connecting our clients to the right specialist through personal introductions and appointments. My leadership team provides the guidance I need to be successful through in-person or over-the-phone coaching.Regular meetings with your manager to make your goals a realityAs a Credit Solutions Advisor, you'll participate in Bank of America's award-winning Academy. It starts on your first day with an immersive onboarding program that includes formal training, dedicated support and training time.Trained by the award-winning Academy at Bank of AmericaBrandon Hall Gold Award for "Learning and Development"The Academy's defined career paths and development opportunities are what have enabled me to thrive in my career. I am thankful to work for a company that promotes inclusion and understanding and that truly cares about me with so many great benefits like paid time off, competitive pay and even tuition reimbursement.--- Child Care ReimbursementThere is nothing more rewarding than helping my clients achieve their financial goals including helping them with home ownership and complex lending needs. I know Bank of America is invested in helping me reach my full potential, so I can help my clients reach theirs. We are all driven by a common purpose, and that is making financial lives better through the power of every connection. We all have goals. Pursue yours at Bank of America.Bank of America logoBank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws.$26.00 - $28.41hourly 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.This 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.Bank of America is committed to ensuring that our online application process provides an equal employment opportunity to all job seekers, including individuals with disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to submit an application, please contact us by calling 1.877.760.2076. This is a dedicated line designed exclusively to assist job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be considered. A response to your request may take up to two business days.Please note: Messages left for other purposes such as following up on an application or non-disability related technical issues, will not receive a response.Important notice:
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Keywords: Bank of America, Ceres , Credit Solutions Advisor - McCarthy Ranch, Other , Milpitas, California