Credit Solutions Advisor - El Toro

This role is responsible for originating loans for clients with residential mortgage needs and serves as the primary lending specialist in the financial center. The position focuses on delivering First Mortgage and HELOC lending products in person or by telephone, and may involve additional products such as Auto Loans, Credit Cards and Core Banking services. The role requires balancing sales performance, operational risk, and client relationship care, and is subject to SAFE Act registration requirements.

• Provide 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 the client’s life plan.
• Build and deepen relationships with new and existing clients by leveraging the full capabilities of the bank.
• Analyze the client’s financial needs and apply knowledge of borrowing and banking to recommend financial services that best align with the client’s unique priorities.
• Present potential home lending product solutions, submit the mortgage application, assist clients with gathering supporting loan documentation, and keep clients informed throughout the mortgage loan process through outbound calls, email, and online messaging.
• Connect with clients through outreach and pipeline management activities and conduct consistent follow‑up routines to meet client needs.
• Respond to client requests and make referrals to appropriate internal partners based on client needs.
• Partner with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience.

• Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, leadership ability, build trust, deepen relationships, and/or self‑source business combined with a proven record in consultative sales and delivering tailored financial solutions.
• 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.

• 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, HELOC, Government) structuring, processing, underwriting and closing procedures.
• Knowledge of Federal regulations governing real estate lending, FHA and HUD guidelines.
• Other lending products (Credit Card, Vehicle Loans).
• Strong computer skills including MS applications and previous experience utilizing laptop technology.

• Client Management
• Client Solutions
• Advisory
• Customer and Client Focus
• Referral Identification
• Risk Management
• Client Experience
• Branding
• Credit Documentation Requirements
• Credit and Risk Assessment
• Pipeline Management
• Referral Management
• Attention to Detail
• Collaboration
• Issue Management
• Prospecting
• Relationship Building

Shift: 1st shift (United States of America). Hours per week: 40. Minimum education requirement:
High School Diploma / GED / Secondary School or equivalent.

Location:

El Toro Rd, Lake Forest, CA 23831. Pay range: $25.00 - $29.61 hourly, based on experience, education, and skill set. This role is eligible to participate in a formulaic incentive plan and is benefits eligible.

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for this position: FDIC, SAFE Act/Loan Originators.