Mortgage Loan Officer (Sales) Florida Suncoast

GTE Financial•Tampa, 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 received from community financial centers, web, external referrals, and inbound phone inquiries. The Mortgage Loan Executive will ensure loan requests meet member needs, review credit and 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.
Minimum 1-3 years’ experience or combination of education and experience.
Qualify for NMLS registration according to the Safe Act.
Demonstrate a functional knowledge of the necessary federal laws and regulations.
Good interpersonal skills to work effectively with management and staff.
Ability to handle multiple job responsibilities and tasks to accomplish goals and objectives.
Must 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.
A quiet workplace so you can focus on delivering excellent service to our members.
Power and high-speed internet over 100MB (minimum).
Video capability (connection of 1.5 Mbps up and down recommended).
Candidates must provide and meet all technical requirements prior to the first day of training.
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.

Nice To Haves

Some college preferred.
Working knowledge 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).
Engaged in campus activities and community involvement.
Desire to provide exceptional member experience and provide needs-based selling.
Bilingual preferred (English/Spanish).
Knowledge of secondary market is preferred.

Responsibilities

Manage the day-to-day sales and support with applications coming from community financial centers, web, external referral sources, and in-bound phone inquiries.
Ensure member loan requests meet the members’ needs.
Review credit and automated underwriting decisions.
Make and follow up on initial document requests from borrowers.
Prepare loans for underwriting review.
Meet with and counsel members on new mortgage loan options based on current product guidelines.
Engage with Community Financial Center teammates to develop quality referral strategies through product training and sales techniques.
Engage with community organizations to develop a circle of influence for referrals, including 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 the prequalification process and enter into the Loan Operating System (LOS).
Communicate lending decisions regarding 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 loan types, rates, payments, and terms of mortgage products.
Maintain defined service level expectations.
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 action plans to focus on areas of opportunity with all lending products.