Enterprise Lending Officer - Cupertino/Saratoga

Enterprise Lending Officer - Cupertino/Saratoga Cupertino, California To proceed with your application, you must be at least 18 years of age. Acknowledge Refer a friend To proceed with your application, you must be at least 18 years of age. Acknowledge ( Job Description: 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 teammatesu2019 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 Job Description: This job is responsible for providing Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and familiarity of Realtor, Builder, and Community contacts local to the market. Job expectations include having successful track-records of delivering lending services to clients by demonstrating an understanding of credit, lending guidelines, and the mortgage process. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. Responsibilities: + 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 Skills: + Business Development + Client Management + Customer and Client Focus + Prospecting + Risk Management + Account Management + Client Solutions Advisory + Credit and Risk Assessment + Pipeline Management + Referral Identification + Attention to Detail + Credit Documentation Requirements + Issue Management + Networking + Relationship Building Required Skills and Experience u2022 Has 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 u2022 Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience u2022 Has a strong knowledge of loan products Conventional, Jumbo and Government. u2022 Demonstrated ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products u2022 Demonstrated understanding of processing, underwriting and/or closing procedures u2022 Has a working knowledge of federal regulations governing real estate lending u2022 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 as well as within bank policy. u2022 An ability to work independently u2022 Is a strong communicator, both written and verbal u2022 Is self-motivated and highly organized u2022 Can prioritize multiple competing tasks u2022 Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process u2022 Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume u2022 Can be flexible to work weekends and or extended hours as needed to serve clients Desired Skills and Experience u2022 Familiarity with FHA and HUD guidelines u2022 Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information u2022 Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously u2022 The ability to analyze and comprehend complex financial data and provide financial alternatives u2022 Professional and effective interpersonal skills u2022 An ability to take ownership, accountability and can demonstrate integrity u2022 Adaptability and can demonstrate flexibility u2022 A positive attitude u2022 Effective communication styles 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 Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the

Created: 2025-11-01