Mortgage Loan Officer - The Villages

Seacoast Bank•The Villages, FL

1d•Onsite

About The Position

The Mortgage Loan Officer represents Seacoast Bank’s residential mortgage business in The Villages, building relationships with realtors, builders, site agents, sales representatives, customers, and internal business partners. The role combines mortgage 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 position provides high-touch support throughout the mortgage process, from counseling borrowers and taking applications to reviewing documentation, submitting qualified applications to processing, managing the pipeline, and addressing delays to support the market’s 30-day closing expectation. It requires a consistent onsite presence, community-based business development, and adherence to regulatory, ethical, fair lending, and bank policy requirements.

Requirements

High school diploma or equivalent experience.
At least 5 years of business development and/or financial services experience.
Excellent written and verbal communication and interpersonal skills.
PC proficiency with desktop, laptop, tablet, and smartphone devices, as well as Microsoft Office Suite.
Ability to work after hours and regularly on weekends.

Nice To Haves

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

Responsibilities

Collaborate with Loan Processing, Underwriting, Closing, and Secondary Market during the first 90 days to understand the process.
Communicate consistently with leadership and a peer mentor about expectations for the The Villages market.
Solicit business onsite 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 support 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 loan applications to processing.
Build relationships with internal business partners to deepen Seacoast Bank relationships and prioritize internal referrals alongside external referrals.
Attend closings, open houses, community events, onsite builder activities, referral lunches, and local business association meetings in The Villages footprint.
Ensure business development activities comply with RESPA, regulatory requirements, bank policy, and Seacoast best practices.
Maintain accurate calling reports and prospective loan sales pipeline reports.
Collect required applicant information while following Fair Lending standards and ensuring equal treatment of applicants.
Follow BSA/AML Customer Identification Program requirements.
Practice ethical sales behaviors under the Associate Code of Conduct and Sales Practices Policy, acting in applicants’ best interests.
Resolve customer concerns promptly and professionally, escalating when needed.
Maintain regular in-office hours and active engagement in The Villages community.
Adhere to Seacoast Bank’s Code of Conduct and applicable legal, ethical, regulatory, and risk mitigation requirements, including required annual training.