Mortgage Loan Officer (Sales) Florida Suncoast

GTE Financial•Tampa, FL

6d•Remote

About The Position

GTE Financial is seeking a relationship-focused Mortgage Loan Executive to manage day-to-day mortgage sales and support for applications received through community financial centers, the web, external referrals, and inbound phone inquiries. The role helps members select mortgage options suited to their needs, reviews credit and automated underwriting decisions, requests and follows up on initial borrower documentation, and prepares loan files for underwriting review. Compensation includes a base salary and uncapped commission. The position combines mortgage sales, lending, member service, and operational compliance. The Loan Executive develops referral relationships, solicits residential mortgage business, represents GTE in the community, evaluates loan documentation and applications, communicates lending decisions, and maintains working knowledge of mortgage products and related services. The role is remote in nature for candidates in Florida who live within commuting distance of downtown Tampa and within GTE’s branch footprint. The employee must be available to commute to headquarters, community financial centers, or community events as needed; management may change the remote arrangement with appropriate notice when possible.

Requirements

High school diploma or equivalent.
One to three years of experience, or a combination of education and experience.
Qualify for NMLS registration according to the SAFE Act.
Demonstrate functional knowledge of applicable federal laws and regulations, including the Bank Secrecy Act and other laws listed in the posting.
Good interpersonal skills to work effectively with management and staff.
Ability to handle multiple job responsibilities and tasks to accomplish goals and objectives.
Must live within commuting distance of downtown Tampa, within GTE’s branch footprint, and be able to regularly commute to the office as needed.
For remote work, have a quiet workplace, power, high-speed internet over 100 MB minimum, and video capability; technical requirements must be met before the first day of training.
Work full-time hours and additional hours as necessary to accomplish objectives, goals, and projects.

Nice To Haves

Some college education.
Knowledge of the secondary mortgage market.
Bilingual English/Spanish.

Responsibilities

Meet with and counsel members on mortgage options consistent with current product guidelines.
Work with Community Financial Center teammates on referral strategies through product training and sales techniques.
Build referral networks through community organizations, realtor events, lead groups, local chamber membership, and other activities.
Proactively solicit residential mortgage business and represent GTE in the market.
Develop and maintain professional referral relationships with realtors, builders, and other contacts.
Analyze loan 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 documents, and prepare loans for underwriting review.
Communicate lending decisions, including denials and counteroffers, upfront.
Reinforce the features of mortgage loan types, rates, payments, and terms.
Maintain knowledge of mortgage products and services and GTE’s broader suite of lending and member products.
Meet defined service-level expectations and provide an exceptional member experience through needs-based selling.
Comply with federal regulations, qualify for NMLS registration under the SAFE Act, and provide legally required disclosures.
Demonstrate functional knowledge of the Bank Secrecy Act and other applicable laws, including the U.S. Patriot Act, OFAC requirements, anti-money-laundering rules, the Right to Financial Privacy Act, and the Bank Bribery Act.
Attend weekly or bi-weekly team meetings, conference calls, and assigned events.
Handle multiple responsibilities and tasks, and implement action plans to address opportunities across lending products.
Participate in campus activities and community involvement.