Mortgage Loan Executive

GTE Financial•Tampa, FL

17h•Hybrid

About The Position

GTE Financial is seeking a Mortgage Loan Executive who is an exceptional listener and genuine relationship builder. This role involves managing day-to-day sales and support for mortgage applications from various sources including community financial centers, web, external referrals, and in-bound phone inquiries. The Loan Executive will ensure member loan requests meet their needs, review credit, analyze automated underwriting decisions, handle initial document requests from borrowers, and prepare loans for underwriting review. The position requires proactive engagement with members, community organizations, realtors, and builders to develop referral strategies and solicit new residential mortgage business. It also involves a deep understanding of various loan products (secondary market, FHA, VA, CU Portfolio) and GTE's full suite of lending products, communicating lending decisions, and maintaining mortgage acumen. The role emphasizes strategic service level expectations, strong interpersonal skills, and a desire to provide exceptional member experience through needs-based selling. Compliance with federal regulations, including the Safe Act and Bank Secrecy Act, is mandatory. All work responsibilities are subject to performance goals and/or targets established as part of the annual performance planning process or as the result of organizational goal/production planning. The position is full-time and hybrid, requiring additional hours as necessary to accomplish objectives, goals, and projects.

Requirements

Exceptional listener
Genuine relationship builder
Strategic in maintaining defined service level expectations
Good interpersonal skills to work effectively with management and staff
Engaged in campus activities and community involvement
Desire to provide exceptional member experience and provide needs-based selling
Demonstrate a functional knowledge of the necessary federal laws and regulations
Demonstrate a functional knowledge of the Bank Secrecy Act in addition to other Federal laws, including but not limited to: U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act
Ability to handle multiple job responsibilities and tasks to accomplish goals and objectives
High school diploma or equivalent
Min 1 -3 years’ experience or combination of education and experience
A quiet workplace so you can focus on delivering excellent service to our members (for Remote/Hybrid Work)
Required to have power and high-speed internet over 100MB (minimum) (for Remote/Hybrid Work)
Video capability (connection of 1.5 Mbps up and down recommended) (for Remote/Hybrid Work)
Candidates must provide and meet all technical requirements prior to the first day of training (for Remote/Hybrid Work)
Hybrid candidates must live within driving distance of the office location and be able to regularly commute to and from the office location as needed (for Remote/Hybrid Work)

Nice To Haves

Some college preferred
Knowledge of secondary market is preferred
Bilingual preferred (English/Spanish)

Responsibilities

Managing the day-to-day sales and support with applications coming from our community financial centers, web, external referral sources and in-bound phone inquiries
Ensure that member loan requests meet the members’ needs
Review credit
Review automated underwriting decisions
Make, and follow up on initial document requests from the borrowers
Prepare loans for underwriting review
Meeting with and counseling members on new mortgage loan options as determined by the current product guidelines
Engage with Community Financial Center teammates to develop quality referral strategies through product training and sales technique
Engagement with community organizations to develop a circle of influence for referrals
Participation in realtor events and activities, lead groups and local chamber membership
Proactively solicit new residential mortgage business and represent GTE in the market
Develop and maintain referral contacts and professional relationships with realtors, builders, etc.
Analyze all loan file documentation to begin prequalification process, moving into full loan application entered Loan Operating System (LOS)
Communicate lending decisions with regards to denials or counter-offers upfront
Retain and enhance mortgage acumen and maintain knowledge of mortgage products/services offered by the credit union
Reinforce the selling points of our loan types, rates, payments, and terms of mortgage products
Qualify for NMLS registration according to the Safe Act
Ensure compliance with all Federal regulations and disclose correct information to members as required by law
Engage in weekly or bi-weekly team meetings, conference calls, and events as assigned
Implement actions plans to focus on areas of opportunity with all lending products