Bank of America
Enterprise Lending Officer - Multiple Locations
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career, and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive, and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership, and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
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 Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and familiarity of Realtor, Builder, and Community contacts local to the market. Job expectations include having successful track records of delivering lending services to clients by demonstrating an understanding of credit, lending guidelines, and the mortgage process. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Responsibilities:
- Provides exceptional client care by providing advice-oriented solutions with Consumer Lending and Core Banking products.
- 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.
- Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs.
- Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
- Engages in community development, outside sales activities, and external networking to responsibly grow client and market share.
- Understands lending processes and credit guidelines to best develop solutions for each client's needs.
- Manages daily client and loan pipelines with astute organization, follow-up, and a high degree of collaboration with loan fulfillment partners.
- Leverages digital solutions, providing clients with a choice in preferred service pathways.
- Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice conversations and fulfilling financial goals.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Skills:
- Business Development
- Client Management
- Customer and Client Focus
- Prospecting
- Risk Management
- Account Management
- Client Solutions Advisory
- Credit and Risk Assessment
- Pipeline Management
- Referral Identification
- Attention to Detail
- Credit Documentation Requirements
- Issue Management
- Networking
- Relationship Building
Required Skills and Experience
- Has 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources
- Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
- Has a strong knowledge of loan products Conventional, Jumbo, and Government.
- Demonstrated ability to understand, analyze, and document income, assets, and liabilities properly in order to qualify clients for specific loan products
- Demonstrated understanding of processing, underwriting, and/or closing procedures
- Has a working knowledge of federal regulations governing real estate lending
- Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals, builders, and other external referral partners in a compliant manner as well as within bank policy.
- An ability to work independently
- Is a strong communicator, both written and verbal
- Is self-motivated and highly organized
- Can prioritize multiple competing tasks
- Uses appropriate interpersonal styles, communication methods, and approaches to gain clients and keep them informed during the loan process
- Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
- Can be flexible to work weekends and/or extended hours as needed to serve clients
Get help with your application
Your very own career expert that helps elevate your application to the next level.
Desired Skills and Experience
- Familiarity with FHA and HUD guidelines
- Strong computer skills including MS applications and previous experience utilizing laptop technology for 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
- The ability to analyze and comprehend complex financial data and provide financial alternatives
- Professional and effective interpersonal skills
- An ability to take ownership, accountability, and can demonstrate integrity
- Adaptability and can demonstrate flexibility
- A positive attitude
- Effective communication styles
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:
- 40
Pay Transparency details
- US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100), US - MD - Bethesda - 7501 Wisconsin Ave (MD9983), US - NJ - Pennington - 1400 American Blvd - Hopewell Bldg 4 (NJ2140), US - NY - New York - 1114 Avenue Of The Americas - Grace (NY1544)
Pay and benefits information
Pay range
- $66,600.00 - $76,700.00 annualized salary, offers to be determined based on experience, education, and skill set.
Formulaic incentive eligible
- This 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.
Benefits
- 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.
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills
Location