Mortgage Loan Officer (Sales) Jacksonville

GTE Financial•Jacksonville, FL

1d•Hybrid

About The Position

GTE Financial is seeking an exceptional listener and genuine relationship builder to join their team as a Mortgage Loan Executive. This role involves managing the 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 Mortgage Loan Executive will ensure member loan requests meet their needs, review credit, analyze automated underwriting decisions, manage initial document requests, and prepare loans for underwriting review. The position offers a base salary with uncapped commission.

Requirements

High school diploma or equivalent.
Min 1-3 years’ experience or combination of education and experience.
Functional knowledge of necessary federal laws and regulations.
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.

Nice To Haves

Some college preferred.
Working knowledge of secondary market, FHA, VA and CU Portfolio loans and the documentation that goes with those loan products.
Working knowledge of GTE’s full suite of lending products but also any other product offered to our members (i.e.: Checking, Commercial, Investments & Insurance Services).
Knowledge of secondary market is preferred.
Bilingual preferred (English/Spanish).

Responsibilities

Meeting with and counseling members on new mortgage loan options based on current product guidelines.
Engaging with Community Financial Center teammates to develop quality referral strategies through product training and sales techniques.
Engaging with community organizations to develop a circle of influence for referrals, including participation in realtor events, lead groups, and local chamber membership.
Proactively soliciting new residential mortgage business and representing GTE in the market.
Developing and maintaining referral contacts and professional relationships with realtors, builders, etc.
Analyzing all loan file documentation to begin the prequalification process and entering applications into the Loan Operating System (LOS).
Communicating lending decisions regarding denials or counter-offers upfront.
Retaining and enhancing mortgage acumen and maintaining knowledge of mortgage products/services offered by the credit union.
Reinforcing the selling points of loan types, rates, payments, and terms of mortgage products.
Qualifying for NMLS registration according to the Safe Act.
Ensuring compliance with all Federal regulations and disclosing correct information to members as required by law.
Engaging in weekly or bi-weekly team meetings, conference calls, and events as assigned.
Implementing action plans to focus on areas of opportunity with all lending products.