Mortgage Loan Officer - The Villages

Seacoast Bank Careers • The Villages, FL

1d • Onsite

About The Position

The Mortgage Loan Officer represents Seacoast Bank’s residential mortgage business in The Villages, developing relationships with realtors, builders, site agents, sales representatives, customers, and internal business partners. The role combines mortgage lending expertise, community engagement, and relationship development. The officer works both in the office and throughout the community, helping homebuyers navigate financing and strengthening existing customer relationships.

The officer collaborates with Loan Processing, Underwriting, Closing, and Secondary Market partners, and communicates with leadership and a peer mentor to understand expectations for the local market. They maintain an onsite presence in The Villages, meet customers in person during applications and throughout the loan process, manage applications and pipelines toward the community’s 30-day closing timeline, and participate in local business-development activities.

The position requires compliance with RESPA and other regulatory requirements, Fair Lending standards, BSA/AML Customer Identification Program requirements, bank policies, and Seacoast Bank’s Code of Conduct and Sales Practices Policy. The role also requires after-hours and regular weekend efforts.

Requirements

• High school diploma or equivalent years of experience required.
• At least 5 years of business development and/or financial services experience required.
• Excellent written and verbal communication and interpersonal skills.
• Proficiency with desktop, laptop, tablet, and smartphone devices and Microsoft Office Suite.
• Ability to work after hours and regularly on weekends.
• Compliance with applicable regulatory, legal, ethical, bank risk-mitigation, and annual training requirements.

Nice To Haves

• College degree in a financial-related discipline preferred.
• At least 2 years of origination, processing, underwriting, or closing experience preferred.

Responsibilities

• Collaborate within the first 90 days with Loan Processing, Underwriting, Closing, and Secondary Market to understand the process.
• Maintain consistent communication with leadership and a peer mentor about expectations for The Villages market.
• Proactively solicit business onsite in The Villages, including at Realtor and Builder offices, model homes, and designated sales centers.
• Build and maintain in-person partnerships with The Villages sales representatives and affiliated referral sources.
• Meet customers face-to-face during application and throughout the loan process, providing a high-touch, concierge-level experience.
• Drive loan applications and manage the pipeline to meet the 30-day closing timeline, identifying and resolving potential delays.
• Provide mortgage-related information to realtors, sales representatives, and customers in the community.
• Counsel borrowers, take applications, and collect and review documentation.
• Review documents to assess qualification and submit qualified applications to processing.
• Build relationships with internal business partners to deepen existing Seacoast Bank relationships, prioritizing internal referrals equally with external referrals.
• Attend closings, open houses, community events, onsite builder activities, referral lunches, and local business association meetings in The Villages footprint.
• Conduct business-development activities in compliance with RESPA, regulatory requirements, bank policy, and Seacoast best practices.
• Maintain accurate calling reports and prospective loan sales pipeline reports.
• Collect all required applicant information while following Fair Lending standards and ensuring equal treatment of applicants.
• Ensure adherence to BSA/AML Customer Identification Program requirements.
• Follow ethical sales practices and act in the applicant’s best interest in accordance with the Associate Code of Conduct and Sales Practices Policy.
• Resolve customer concerns promptly and professionally, escalating when needed.
• Maintain a consistent onsite presence in The Villages, including regular in-office hours and active community engagement.
• Adhere to Seacoast Bank’s Code of Conduct and applicable legal, regulatory, ethical, risk-mitigation, and training requirements.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED