Community Lending Officer - Chinatown BayardNew York, New YorkJob Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!This job is responsible for managing the end-to-end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. Key responsibilities include connecting with internal and external centers of influence (i.e. financial center partners, realtors, etc.) to originate mortgage transactions, identifying relationship deepening opportunities with clients, and facilitating the loan process from application to close. Job expectations include providing home buyer education via workshops and contacting with clients and partners virtually or in-person. 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:Originates loans from multiple internal and external referral sourcesUnderstands the local Affordable Housing Market, Housing Assistance Programs, and experience, providing thoughtful lending solutions and guidance to Low to Moderate Income and First Time HomebuyersAchieves production goals as defined by the businessMaintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunitiesProvides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirementsConducts monthly Home Buyer Workshops and Business Development meetingsRequired Qualifications:2+ years of experience in loan originations and/or home buyer educationKnowledge of conventional and/or government guidelines as well as affordable mortgage products and programsKnowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lendingAbility to organize and deliver Home Buyer Workshop presentationsKnowledge of community housing counseling agenciesKnowledge of community grant / downpayment programsStrong written and verbal communications skillsSelf-motivated and highly organizedAbility to prioritize multiple competing tasksDesired Qualifications:Experience in first mortgage and HELOCFamiliar with FHA and HUD guidelinesKnowledge of local competition product offerings and real estate market dynamicsStrong computer skills, including Microsoft applications and previous experience using laptop technology for client communication purposes including accessing rate, credit and loan status informationSolid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneouslyAbility to communicate clearly and effectively, both verbally and in writing, across a variety of audiencesAbility to analyze and comprehend complex financial data and provide appropriate financial solutionsProfessional and effective interpersonal skillsSkills:Client ManagementCustomer and Client FocusLoan StructuringOral CommunicationsReferral ManagementCredit Documentation RequirementsLearning DeliveryPresentation SkillsProspectingWritten CommunicationsActive ListeningBusiness DevelopmentCredit and Risk AssessmentData Collection and EntryPipeline ManagementMinimum Education Requirement: High School Diploma / GED / Secondary School or equivalentShift:1st shift (United States of America)Hours Per Week:40Pay Transparency detailsUS - NY - New York - 50 Bayard St - Chinatown- Bayard (NY5121)Pay and benefits informationPay range$26.97 - $31.27 hourly pay, offers to be determined based on experience, education and skill set.Formulaic incentive eligibleThis role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee’s performance against defined metrics.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.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 and affirmative action, 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 "EEO is the Law" poster, CLICK HERE ( .To view the "EEO is the Law" Supplement, CLICK HERE ( .View the LA County Fair Chance Ordinance ( .Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE .This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.