Enterprise Lending Officer - Foster City

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Senior Enterprise Lending Officer role in Foster City, CA, focused on consumer lending and business development.

Drive mortgage origination, build client relationships, and grow the bank’s market share while maintaining regulatory compliance.

Title: Enterprise Lending Officer - Foster City

Location: Foster City, CA

Description: 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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role‑specific responsibilities and business needs.

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 may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. 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

• • 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
• • Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
• • Has a strong knowledge of loan products Conventional, Jumbo and Government.
• • Demonstrated ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products
• • Demonstrated understanding of processing, underwriting and/or closing procedures
• • Has a working knowledge of federal regulations governing real estate lending
• • 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.
• • An ability to work independently
• • Is a strong communicator, both written and verbal
• • Is self-motivated and highly organized
• • Can prioritize multiple competing tasks
• • Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process
• • Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
• • Can be flexible to work weekends and or extended hours as needed to serve clients

Desired Skills and Experience

• • Familiarity with FHA and HUD guidelines
• • Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information
• • Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
• • The ability to analyze and comprehend complex financial data and provide financial alternatives
• • Professional and effective interpersonal skills
• • An ability to take ownership, accountability and can demonstrate integrity
• • Adaptability and can demonstrate flexibility
• • A positive attitude
• • 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