South State Bank - Tampa, FL

posted 2 days ago

Full-time - Entry Level
Tampa, FL
Management of Companies and Enterprises

About the position

This position is responsible for, but not limited to, soliciting and originating mortgage loans from sources both inside and outside the bank while ensuring high quality customer service and maximum profitability. The role involves interviewing loan applicants, collecting and analyzing information regarding customer income, assets, investments or debts, and determining which bank product best fits the customer's needs. Additionally, the position requires providing advice to customers regarding the advantages and disadvantages of different products, making preliminary determinations of applicants' credit worthiness, and handling the processing of loan requests in accordance with bank policy and applicable regulatory requirements.

Responsibilities

  • Interview loan applicants
  • Collect and analyze information regarding customer income, assets, investments or debts
  • Determine which bank product best fits the customer's needs
  • Provide advice to customer regarding advantages and disadvantages of different products
  • Call on realtors, builders, community development corporations and other potential mortgage customers to establish relationships for loan referrals
  • Handle processing of loan request in accordance with bank policy and applicable regulatory requirements
  • Adhere to Quality Customer Service parameters
  • Participate in community events and real estate industry functions to identify, develop and promote additional business
  • Attend training on all residential lending products
  • Advise management of new products offered in the market
  • Promote and cross-sell other bank products
  • Perform other work-related duties as assigned by supervisor

Requirements

  • Must have strong communication skills characterized by excellent writing and speaking skills
  • Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook
  • Ability to use the computer efficiently and learn new software programs
  • Must have good knowledge of business English, including spelling and punctuation
  • Must possess basic English language skills to write and speak clearly
  • Must be well-organized, accurate, and attentive to detail
  • Must have effective listening skills
  • Must possess excellent multi-tasking skills and be able to function well under pressure
  • Must be patient and willing to help others in solving problems

Nice-to-haves

  • Knowledge of Fannie Mae/Freddie Mac guidelines as well as government products
  • Expertise in mortgage products and services as well as regulatory guidelines
  • Excellent problem-solving skills to identify client needs and resolve problems
  • Capable of handling customer and employee contact situations tactfully and professionally
  • Experience in marketing endeavors/efforts
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