Enterprise Lending Officer

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’s physical, emotional, and financial wellness, recognizing and rewarding performance, and making 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 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!

This position provides Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and familiarity with Realtor, Builder, and Community contacts local to the market. The job requires successful delivery of lending services to clients while demonstrating an understanding of credit, lending guidelines, and the mortgage process. The role involves residential mortgage lending and is subject to SAFE Act registration requirements.

• Provide exceptional client care by offering advice‑oriented solutions with Consumer Lending and Core Banking products.
• Engage in community development, outside sales activities, and external networking to responsibly grow client and market share.
• Understand lending processes and credit guidelines to develop personalized solutions for each client’s needs.
• Manage daily client and loan pipelines with organization, follow‑up, and collaboration with loan fulfillment partners.
• Leverage digital solutions, providing clients with preferred service pathways.
• Maintain and adhere to all federal and state regulations and banking operational requirements, delivering compliant client advice conversations and meeting financial goals.

• 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

• 3+ years of experience in a loan origination role focused on generating self‑sourced purchase business through a verifiable, established network of referral sources.
• Demonstrated understanding of effectively managing a pipeline to deliver an exceptional client experience.
• Strong knowledge of loan products:
  Conventional, Jumbo, and Government.
• Ability to analyze and document income, assets, and liabilities to qualify clients for specific loan products.
• Understanding of processing, underwriting, and closing procedures.
• Working knowledge of federal regulations governing real estate lending.
• Ability to source clients independently and generate business from external Centers of Influence such as real estate professionals, builders, and other referral partners without reliance on enterprise referrals, in compliance with bank policy.
• Ability to work independently.
• Strong written and verbal communication skills.
• Highly self‑motivated and organized.
• Capacity to prioritize multiple competing tasks.
• Appropriate interpersonal styles and communication methods to keep clients informed throughout the loan process.
• Understanding that client service quality directly correlates with sales volume.
• Flexibility to work weekends and/or extended hours as needed to serve clients.

• Familiarity with FHA and HUD guidelines.
• Strong computer skills, including proficiency with MS applications and laptop technology.
• Solid time‑management skills and ability to perform multiple tasks simultaneously.
• Ability to analyze complex financial data and provide financial alternatives.
• Professional and effective interpersonal skills.
• Ownership, accountability, and integrity.
• Adaptability and flexibility.
• Positive attitude.
• Effective communication styles.

High School Diploma / GED / Secondary School or equivalent.

1st shift (United States of America)

40