Bank of America Hiring for Home Equity Lending Specialist / Inbound Home Equity Lending Officer at Charlotte, NC

Home Equity Lending Specialists (HE LS) work in one of our national inbound contact centers. HE LSs will spend the majority of their time on inbound client calls uncovering their home equity lending needs. HE LSs will structure loan solutions for their clients by leveraging defined processes and tools. They will also be responsible for retaining current home equity clients who are nearing their end of draw period or requesting a payoff through home equity loan servicing. The HE LSs will also recommend additional Bank of America products through partner referrals. In addition to inbound calls, the HE LSs will regularly connect with clients through outbound calls, emails, and online messaging systems to execute consistent follow-up routines.

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 your position requires SAFE Act registration, you will be 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 your immediate termination.

We’ll help you

• Get training and one-on-one coaching from managers who are invested in your success. You’ll take part in additional training and development through our Academy to develop in your role.
• Provide end-to-end comprehensive lending guidance and solutions to prospective borrowers by uncovering their life priorities and determining client financing objectives.
• Stay informed on changing market conditions, business trends and regulatory requirements by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.
• Demonstrate a commitment to professional ethics, as well as conforming to all Federal and State compliance policies and adhering to Home Mortgage Disclosure Act (HMDA) requirements.

As a Home Equity Lending Specialist, you can look forward to

• Providing exceptional client care with industry leading products, services, education and a dedicated team of underwriters.
• Ongoing professional development to deepen your skills as the industry evolves and changes.
• Using multiple system applications to navigate enterprise products and recommend solutions sourced via inbound and outbound sales leads.
• Skillfully crafting lending solutions with companion products and pricing that result in client sales while maintaining a high level of delight.
• A world-class suite of employee benefits.

You’re a person who (required skills)

• 1+ year of customer facing and/or customer 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 recommend products or services
• Has an ability to learn all platform systems utilized within the environment and/or aptitude in system technologies
• Has an ability to work under pressure during high volume periods
• Has an ability to build and maintain positive rapport with service partners
• Can prioritize competing tasks
• Has adaptability and is flexible to change
• Is a strong communicator, written, oral and non-verbal
• Can be flexible to work weekends and/or extended hours as needed
• Communicates professionally, effectively and confidently and is comfortable engaging clients over the phone
• Has an ability to handle multiple business models to support changing business needs
• Works effectively with 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

You’ll be better prepared if you have (desired skills)

• 1+ years of sales experience
• Thorough knowledge of mortgage products and programs
• Experience analyzing complex financial and credit data used to advise clients of product/pricing policies and guidelines, as well as gathering any required information or documentation
• Knowledge of processing, underwriting, and closing procedures, and federal lending regulations governing real estate lending
• Strong consultative skills including the ability to ask critical questions to identify opportunities

We’re a culture that

• Is committed to building a workplace where every employee is welcomed and given the support and resources to build and advance their careers. Along with taking care of our clients, we want to be a great place for people to work, and we strive to create an environment where all employees have the opportunity to achieve their goals.
• Believes diversity makes us stronger so we can reflect, connect to and meet the diverse needs of our clients around the world.
• Provides continuous training and developmental opportunities to help employees achieve their goals, whatever their background or experience.
• Is committed to advancing our tools, technology, and ways of working. We always put our clients first to meet their evolving needs.
• Believes in responsible growth and is dedicated to supporting communities around the world by connecting them to the lending, investing and giving they need to remain vibrant and vital.