Loan Officer - Retail

Embrace Home Loans • Tampa, FL

12d • Hybrid

About The Position

The Retail Loan Officer solicits and originates investment-quality loans acceptable to the company’s chosen investors and agencies. The role develops and maintains a strong client referral base by selling company loan products and services to meet the needs of clients and referral partners, including realtors, builders, home buyers, CPAs, and financial planners. The position reviews, authorizes, and recommends loans for approval.

The role is based on hiring needs in the Southeast US Region and is part of the Retail Division. It reports to a Branch Manager or Sales Manager. The position operates in an office/hybrid environment, with at least three days per week in the office; fully remote work is not available due to licensing requirements.

Success is measured by customer satisfaction and the ability to maintain a steady business pipeline. The position requires reliable transportation and occasional motor vehicle operation for job duties. The employee must hold a valid driver's license for their state of residence, have at least two years of driving experience, and be at least 18 years old. The physical demand level is light, and potential work hazards are minimal.

Requirements

• Bachelor’s degree and/or equivalent experience.
• Mortgage Loan Originator (MLO) License through NMLS.
• Proficiency with Microsoft Office Suite, including Outlook, Word, and Teams.
• Knowledge of and experience using loan origination software.
• Strong teamwork, interpersonal, organizational, financial, and customer service skills.
• Effective time management, priority-setting, and thoroughness skills.
• Ability to attend and promote the company brand at networking and/or marketing events to increase personal production.
• Reliable transportation and ability to operate a motor vehicle from time to time for job duties.
• Valid driver's license in the state of residence, at least two years of driving experience, and minimum age of 18.

Responsibilities

• Establish, develop, and maintain referral relationships with realtors, builders, developers, CPAs, and financial planners; make sales calls to potential and existing customers to develop or retain business.
• Stay informed about trends, changes, and developments in the local real estate market to provide current information to clients.
• Keep current with changing rules, regulations, and guidelines from FNMA, FHLMC, FHA, VA, and other investors and agencies to prevent errors during the loan process.
• Stay informed about origination, processing, appraisal, underwriting, and closing requirements under company and investor guidelines for government-insured and privately insured mortgages, supporting accurate product selection for clients.
• Negotiate mortgage price, terms, and conditions to find an appropriate scenario for the client.
• Coordinate customer interaction and work with all parties involved in each originated loan from application through closing, including counseling and prequalifying potential home buyers; taking complete and accurate applications; obtaining supporting documents, fees, and lock-in information; monitoring loan status and conformity with terms; helping collect additional documents; promptly communicating loan status to interested parties; and obtaining post-closing loan documentation as directed.
• Maintain a professional image and standards consistent with company policies and procedures when representing Embrace.
• Fulfill professional conditions and education requirements for licensure and ensure compliance in business transactions.
• Follow organizational loan-processing procedures to support effective and efficient results.
• Attend required branch and headquarters meetings to increase knowledge of process updates and support professional development.
• Perform other assigned duties and responsibilities.
• Participate in ongoing training on sales, technology, products, procedures, and pricing, and complete annual training required by company policy and law.
• Read newsletters and bulletins to remain current on corporate policies, procedures, and developments.

What This Job Offers

• Job Type: Full-time