Mortgage Loan Officer (Sales) Florida Suncoast

GTE Financial•Tampa, FL

7d•Remote

About The Position

GTE Financial is seeking a relationship-focused Mortgage Loan Executive to manage mortgage sales and support for applications received from community financial centers, the web, external referral sources, and inbound phone inquiries. The role helps members find mortgage options that meet their needs, reviews credit and automated underwriting decisions, requests and follows up on initial borrower documentation, and prepares loans for underwriting review. Compensation includes a base salary and uncapped commission. The position is remote in nature for candidates living within commuting distance of GTE’s Downtown Tampa headquarters and within the GTE branch footprint. Loan Executives may be expected to attend the headquarters, community financial centers, or community events as needed, and management may change the remote arrangement with appropriate notice. Department hours are Monday through Friday, 8:00 a.m. to 5:00 p.m.; full-time hours are required, with additional hours as necessary to meet objectives, goals, and project needs.

Requirements

High school diploma or equivalent.
One to three years of experience, or a combination of education and experience.
Qualify for NMLS registration under the SAFE Act.
Functional knowledge of applicable federal laws and regulations, including the Bank Secrecy Act, U.S. Patriot Act, Office of Foreign Assets Control requirements, anti-money-laundering rules, Right to Financial Privacy Act, and Bank Bribery Act.
Ability to handle multiple job responsibilities and tasks to accomplish goals and objectives.
Interpersonal skills to work effectively with management and staff.
For remote work, live within driving distance of the office and be able to commute regularly as needed.
For remote work, have a quiet workspace, power and high-speed internet of at least 100 MB, and video capability; candidates must meet technical requirements before their first day of training.

Nice To Haves

Some college.
Knowledge of the secondary mortgage market.
Working knowledge of FHA, VA, secondary-market, and credit-union portfolio loans and associated documentation.
Working knowledge of GTE’s lending products and other member offerings, such as checking, commercial services, investments, and insurance services.
Bilingual English/Spanish skills.
Community involvement and engagement in campus activities.

Responsibilities

Meet with and counsel members about mortgage loan options based on current product guidelines.
Work with Community Financial Center teammates to develop referral strategies through product training and sales techniques.
Build community referral networks through participation in realtor events, lead groups, local chambers, and other community activities.
Proactively solicit residential mortgage business and represent GTE in the market.
Develop and maintain referral contacts and professional relationships with realtors, builders, and others.
Analyze loan-file documentation to begin prequalification and enter full loan applications into the Loan Operating System (LOS).
Review credit and automated underwriting decisions, request and follow up on initial borrower documentation, and prepare loans for underwriting review.
Communicate lending decisions, including denials or counteroffers, upfront.
Maintain knowledge of mortgage products and services and reinforce the features, rates, payments, and terms of mortgage products.
Meet defined service-level expectations and provide an exceptional member experience through needs-based selling.
Comply with federal regulations and provide members with required, accurate disclosures.
Attend weekly or biweekly team meetings, conference calls, and events as assigned.
Implement action plans to address opportunities across lending products.
Meet performance goals and targets established through annual performance planning or organizational goal and production planning.