Credit Solutions Advisor - Santa Barbara Main

Credit Solutions Advisor II

Responsible for originating loans for clients with residential mortgage needs and managing full end‑to‑end lending, primarily working full time within the financial center.

• Deliver First Mortgage and HELOC lending products in person or by telephone.
• Provide products such as Auto Loans, Credit Cards and Core Banking products.
• Balance sales performance, operational risk, and client relationship care.
• Assist in residential mortgage loan origination and comply with 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.
• Build and deepen relationships with new and existing clients by leveraging the full capabilities of the bank.
• Analyze client financial needs and apply knowledge of borrowing and banking to recommend services that best align with client priorities.
• Present potential home lending product solutions, submit mortgage applications, assist clients with gathering supporting documentation, and keep clients informed 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 ability to assess client needs, leadership ability, and a proven record in consultative sales and delivering tailored financial solutions.
• Actively listens to clients to determine their needs and goals and has a desire to interact with clients proactively.
• Communicates professionally, effectively, and confidently; comfortable engaging 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.
• Effective customer service skills with ability to manage the full client end‑to‑end experience and problem resolution.
• 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.
• 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 thorough incorporation of relevant regulatory due diligence, complying with Federal and State 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 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).
• Experience with other lending products (Credit Card, Vehicle Loans).
• Strong computer skills including MS applications and previous experience utilizing laptop technology.

• Responsible for mortgage origination duties; subject to SAFE Act registration requirements.
• Must register with the federal registry system and remain in good standing; secure background checks.
• Federal and State compliance policies must be observed.
• Minimum education requirement:
  High School Diploma / GED / Secondary School or equivalent.
• Shift: 1st shift (United States of America).
• Hours per week: 40.
• Location:
  
  Santa Barbara, CA (USA) – hourly pay $26.00‑$30.83 (subject to experience).
• Eligible for a formulaic incentive plan (monthly, quarterly and/or annual).

Benefits eligible. Includes industry‑leading benefits, paid time off, resources and support to help employees make a genuine impact on the business and communities.

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