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Wells Fargo

Mortgage Loan Officer

san jose, CA

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Job description

Job Description

nAbout this role:

nWells Fargo is seeking an CA-WA Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending. Learn more about our career areas and lines of business at wellsfargojobs.com ( .

nIn this role you will:

nnnParticipate in soliciting residential mortgages from various sources

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nnProduce high quality loans which are compliant and provide excellent customer service

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nnBuild relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources

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nnDevelop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market

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nnPresent recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans

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nnUnderstand real estate appraisals, title reports, and real estate transactions

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nnReceive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs

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nnReview and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk

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nnInform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication

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nnPursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements

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nnThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below

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n nRequired Qualifications:

nn2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education

n nDesired Qualifications:

nnnBasic Microsoft Office skills

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nnDocumented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources

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nnExcellent verbal, written, and interpersonal communication skills

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nnMortgage industry experience

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nnKnowledge and understanding of sales prospecting and generating referrals

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nnExperience developing and cultivating professional relationships

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nnCustomer service experience

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n nJob Expectations:

nnnThis position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website ( provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

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nnIndividuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

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nnAbility to lift 20+ pounds

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nnReliable transportation

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nnAbility to work nights, weekends, and/or holidays as needed or scheduled

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n nPay Range

nReflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

n$0.00 - $0.00

nBenefits

nWells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs ( for an overview of the following benefit plans and programs offered to employees.

nnnHealth benefits

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nn401(k) Plan

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nnPaid time off

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nnDisability benefits

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nnLife insurance, critical illness insurance, and accident insurance

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nnParental leave

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nnCritical caregiving leave

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nnDiscounts and savings

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nnCommuter benefits

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nnTuition reimbursement

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nnScholarships for dependent children

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nnAdoption reimbursement

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n nPosting End Date:

n23 Nov 2026

n***** Job posting may come down early due to volume of applicants.

nWe Value Equal Opportunity

nWells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

nEmployees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

nApplicants with Disabilities

nTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo ( .

nDrug and Alcohol Policy

nWells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy ( to learn more.

nWells Fargo Recruitment and Hiring Requirements:

na. Third-Party recordings are prohibited unless authorized by Wells Fargo.

nb. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

nReq Number: R-

Worksite address

san jose, CA, 95199, US

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