REAL ESTATE RESIDENTIAL LOAN OFFICER - FLORIDA

First BanCorp•Miami, FL

About The Position

The Real Estate Residential Loan Officer markets and originates real-estate residential loans in accordance with FirstBank policies and applicable Federal, State, and investor guidelines. The role interviews and guides prospective customers, helping them select suitable FirstBank products, and manages applications through processing, approval, and closing. It involves collecting and evaluating application materials, coordinating with customers and referral sources, and supporting processors and underwriters with timely information and updates. The officer also represents the Bank at community functions. Duties and responsibilities may change at any time with or without notice.

Requirements

Three years of experience in a similar job, or an equivalent combination of education and experience in the banking and/or lending industry.
Comply with SAFE Act requirements, including obtaining and maintaining an active record and unique identifier within the Nationwide Mortgage Licensing System and Registry (NMLSR), meeting applicable registration standards, and completing required continuing education.
Active driver’s license.
Attention to detail.
Good understanding of financial products, loan documentation, and the business objectives of a real-estate lending department.
Successful completion of an approved real-estate training program.
Strong knowledge of Microsoft Office.
Good communication skills.

Nice To Haves

Bachelor’s degree in Finance, Business Administration, or a related field.

Responsibilities

Market real-estate loans to Realtors, builders, and other spheres of influence through presentations, events, and cold calling.
Originate loans in accordance with FirstBank’s lending policies, procedures, and guidelines, as well as applicable Federal, State, and investor guidelines.
Enter loan applicants into the EZlender system and run DU and credit reports.
Provide the processing team with necessary contact information, including Realtor details, property access information, and closing agent information.
Interview and guide prospective customers so they can select the FirstBank product best suited to their needs.
Complete the mortgage loan application (1003), gather initial documentation, and set expectations with customers, Realtors, and builders about timeframes and targets.
Communicate any additional required documentation to customers.
Submit completed applications to Processors in a timely manner for disclosure within three days of application, as required by Federal regulations.
Keep processors and underwriters informed of material changes during the loan process.
Evaluate customer-provided documents and rerun DU when appropriate.
Monitor loan progress from approval through closing.
Assist the support team in gathering additional information and communicating with customers and referral sources.
Represent the Bank at community functions.