Community Lending Officer - Menifee Town Center

Job Description

The Credit Solutions Advisor II at Bank of America is responsible for managing end‑to‑end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. The role requires connecting with internal and external centers of influence, originating mortgage transactions, identifying relationship deepening opportunities, and facilitating the loan process from application to close.

• Originates loans from multiple internal and external referral sources.
• Understands the local Affordable Housing Market, Housing Assistance Programs, and provides thoughtful lending solutions and guidance to Low to Moderate Income and First Time Home buyers.
• Achieves production goals as defined by the business.
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
• Provides exceptional customer service including thorough knowledge of lending programs, policies, procedures, and regulatory requirements.
• Conducts monthly Home Buyer Workshops and Business Development meetings.

• 2+ years of experience in loan originations and/or home buyer education.
• Knowledge of conventional and/or government guidelines as well as affordable mortgage products and programs.
• Knowledge of processing, underwriting, and closing procedures/federal lending regulations governing real estate lending.
• Ability to organize and deliver Home Buyer Workshop presentations.
• Strong written and verbal communication skills.
• Self‑motivated and highly organized; ability to prioritize multiple competing tasks.

• Familiarity with FHA and HUD guidelines.
• Knowledge of community housing counseling agencies.
• Knowledge of local competition product offerings and real estate market dynamics.
• Strong computer skills, including Microsoft applications, and experience using laptop technology for client communication (rate, credit, loan status).
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
• Effective interpersonal skills and the ability to communicate clearly and effectively across a variety of audiences.
• Ability to analyze and comprehend complex financial data and provide appropriate financial solutions.

• Client management; customer and client focus.
• Loan structuring.
• Oral communications.
• Referral management.
• Credit documentation.
• Learning delivery and presentation skills.
• Prospecting.
• Written communication.
• Active listening.
• Business development.
• Credit and risk assessment.
• Data collection, entry, and pipeline management.

The position requires SAFE Act registration. Employees must register with the federal registry system and remain in good standing. Failure to obtain or maintain registration may result in disciplinary action up to termination.

Shift: 1st shift (United States of America)
Hours per week: 40

Minimum Education:

High School Diploma / GED / Secondary School or equivalent.

Hourly pay range: $28.33 - $33.74 per hour, based on experience, education and skill set.
Eligible to participate in a formulaic incentive plan; incentives earned based on performance against defined metrics.

Eligible for benefits. Includes industry‑leading benefits, paid time off, resources, and support to employees.

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