Credit Solutions Advisor - North Quincy - Mandarin

Job Description

This role is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. The job involves delivering First Mortgage and HELOC lending products in person or by telephone, as well as providing other products such as Auto Loans, Credit Cards and Core Banking products.

• Provide specialized and personalized service by offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of their life plan.
• Build and deepen relationships with new and existing clients by leveraging the bank’s capabilities.
• Analyze clients’ financial needs and recommend financial services that best align with their priorities.
• Present potential home‑lending product solutions, submit mortgage applications, assist clients with gathering supporting loan documentation, and keep clients informed throughout the mortgage loan process via 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, build trust, deepen relationships, and deliver 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.
• Critical thinker who 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 the ability to manage the full client end‑to‑end experience and resolve problems.
• Strong written and verbal communication 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 in a loan origination role in a retail environment and knowledge of mortgage products (Conventional, Jumbo, and HELOC, Government).
• Knowledge of credit and home‑lending requirements.
• Experience working in a financial center where goals were met or exceeded.
• Knowledge of 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 with structuring, processing, underwriting and closing procedures.
• Familiarity with federal regulations governing real‑estate lending, FHA and HUD guidelines.
• Experience with 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

It is unlawful in Massachusetts to require or administer a lie‑detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Location:

US – MA – Quincy – 440 Hancock St – QUINCY BC (MA6229)

Shift: 1st shift (United States of America)

Hours per week: 40

Pay range: $25.00 – $29.61 hourly pay, offers to be determined based on experience, education and skill set.

Formulaic incentive plan:
Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions.

Benefits:
Employees are eligible for benefits including industry‑leading benefits, access to paid time off, resources and support to make a genuine impact.