Nicole Terry

• Spends a minimum of 50% of working hours outside the office to conduct sales calls to create, develop and maintain referral relationships with real estate professionals, builders, and consumers
• Analyzes potential marketing opportunities to develop future business
• Communicates positively and professionally with operations staff throughout the process of the loan to ensure a smooth closing
• Engages in managing the loan pipeline with all team members to meet company efficiency standards
• Meets with borrowers to determine best loan program for individual needs after analyzing income, assets, credit, and property
• Collects all required documentation from borrowers and converts to paperless documents
• Prepares and submits loan submission sheets to set up
• Reads and understands rate sheets, product codes, and loan level price adjustments to calculate rates and fees
• Negotiates and confirms rates, fees, and locks terms with customers
• Locks loans in the system with agreed upon terms and manages locked pipelines through the funding
• Communicates regularly with borrowers to meet desired expectations
• Maintains minimum productivity goals
• Mortgage License 1138864

• Sit within assigned bank branches and originate mortgage loans. Collaborate with branch leadership, participate in branch huddles, mentor and coach employees to increase knowledge of mortgage products and processes. Perform miscellaneous duties as needed and required

• Conduct outbound calls to existing and prospective customers regarding mortgage loan products and complete associated tracking activities

• Interact with customers to understand their needs and provide them with high quality customer service; inform prospective and existing customers of Wells Fargo Home Mortgage programs; analyze and offer mortgage loan products based on the client's needs

• Process loan applications for mortgage transactions and review rates and terms within guidelines

• Maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication • Continuously pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements

• Adhere to policies, underwriting requirements, compliance requirements, and loan procedures. Collaborate with fulfillment partners to meet the needs of our clients throughout the origination process

• Stay informed of mortgage industry trends and developments in the assigned market and develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace

• California Mortgage License 1138864

• I participate in the delivery of exceptional customer experience by building relationships through proactive outreach as well as proposing appropriate products, services, and digital solutions to help customers succeed financially
• Assisted customers with basic requests related to opening new accounts, completing service requests, and submitting credit applications
• Received direction from my managers and exercised judgement within defined policies and procedures
• Developed an understanding of bank products and services to connect to customers' needs
• Interact with customers to demonstrate care and build relationships
• Provide appropriate options for bank products and services to customer
• Refer customers' financial needs to other bankers and partners as needed
• S.A.F.E. Mortgage Licensing