Real Estate Residential Loan Officer - Florida

FirstBank Puerto Rico•Miami, FL

23h

About The Position

The Real Estate Residential Loan Officer markets real-estate loans to Realtors, builders, and other referral sources through presentations, events, and cold calling. The officer originates mortgage loans in accordance with FirstBank’s lending policies and applicable federal, state, bank, and investor guidelines. The role includes interviewing and guiding prospective customers, helping them select suitable FirstBank products, completing mortgage applications, collecting initial documentation, and communicating expected timelines and additional documentation needs. The officer enters applicants into the EZlender system, runs DU and credit reports, and provides processors with necessary contact and property-access information. The officer submits completed applications to processors for disclosure within three days of application, updates processors and underwriters on material changes, evaluates customer documents, reruns DU when appropriate, and monitors applications through closing. The role also assists the support team with information gathering and customer and referral-source communications, and represents the Bank at community functions.

Requirements

Comply with SAFE Act requirements, including obtaining and maintaining an active record and unique identifier in the Nationwide Mortgage Licensing System and Registry (NMLSR), meeting applicable registration standards, and completing required continuing education.
Three years of experience in a similar job, or an equivalent combination of education and experience in the banking and/or lending industry.
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 lending policies, procedures, and guidelines, and applicable federal, state, bank, and investor requirements.
Enter loan applicants into the EZlender system and run DU and credit reports.
Provide the processing team with necessary contact information, including Realtor, property-access, and closing-agent information.
Interview and guide prospective customers so they can select an appropriate FirstBank product.
Complete mortgage loan applications (1003), gather initial documentation, and set expectations for customers, Realtors, and builders about timelines and targets.
Communicate additional required documentation to customers.
Submit completed applications to processors for disclosure within three days of application, as required by federal regulations.
Update processors and underwriters about material changes during the loan process.
Evaluate customer-provided documents and rerun DU when appropriate.
Monitor loan approval progress through closing.
Assist the support team in gathering additional information and communicating with customers and referral sources.
Represent the Bank at community functions.