Enterprise Lending Officer - Cupertino

Job Overview

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!

Providing Consumer Lending advice to new‑to‑bank clients and external business development. Applying mortgage lending principles and familiarity of Realtor, Builder, and Community contacts local to the market. The position may be responsible for the provision of residential mortgage loans, subject to SAFE Act registration requirements. All employees engaged in residential mortgage loan originations must register with the federal registry system and remain in good standing.

Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

• Provides exceptional client care by providing advice oriented solutions with Consumer Lending and Core Banking products
• 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 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

• 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 to deliver an exceptional client experience
• Strong knowledge of loan products Conventional, Jumbo and Government
• Ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products
• Understanding of processing, underwriting and/or closing procedures
• 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 and within bank policy
• Ability to work independently, strong communicator, self‑motivated, highly organized, prioritize multiple tasks, use appropriate interpersonal styles and communication methods to gain clients and keep them informed during the loan process, flexible to work weekends or extended hours as needed

• 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, ability to organize, prioritize and perform multiple tasks simultaneously
• Ability to analyze and comprehend complex financial data and provide financial alternatives
• Professional and effective interpersonal skills, ability to take ownership, accountability and demonstrate integrity, adaptability and flexibility, positive attitude and effective communication styles

High School Diploma / GED / Secondary School or equivalent

1st shift (United States of America) – 40 hours per week

US - CA - Cupertino - 19376 Stevens Creek Blvd - VALLCO PARK BC (CA3198) Pay range $65,000.00 - $73,000.00 annualized salary, formulaic incentive eligible, benefits eligible.

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.