Mortgage Loan Officer

GTE Financial•Tampa, FL

22h•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 referral sources, 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 from borrowers, and prepare loans for underwriting review. The ideal candidate will be passionate about assisting people, building lasting relationships, and helping individuals achieve their homeownership dreams.

Requirements

High school diploma or equivalent.
Minimum 1-3 years of experience or a combination of education and experience.
Functional knowledge of necessary federal laws and regulations.
Functional knowledge of the Bank Secrecy Act, 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.
A quiet workplace for focused work (for remote/hybrid).
Power and high-speed internet over 100MB (minimum) (for remote/hybrid).
Video capability (connection of 1.5 Mbps up and down recommended) (for remote/hybrid).
Candidates must provide and meet all technical requirements prior to the first day of training (for remote/hybrid).
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 of secondary market, FHA, VA and CU Portfolio loans and their associated documentation.
Working knowledge of GTE’s full suite of lending products and any other product offered to members (e.g., Checking, Commercial, Investments & Insurance Services).
Knowledge of secondary market is preferred.
Bilingual preferred (English/Spanish).

Responsibilities

Manage the day-to-day sales and support with applications from community financial centers, web, external referral sources, and in-bound phone inquiries.
Ensure member loan requests meet their 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 full loan applications 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.