Residential Mortgage Loan Officer

One Florida Bank•Chipley, FL

61d

About The Position

We have been voted one of the best companies to work for 5 years in a row, because we have developed a fun and inclusive culture that is at the forefront of how we operate. We only hire the best and most passionate talent and are proud to promote employees from within. One Florida Bank was founded on the belief that when we work together, our goals are One. As a Florida-based bank, we are firmly rooted in our local communities, because building relationships one-on-one is the way business gets done. We are committed to knowing you personally, understanding your needs and goals, and providing the products and services that will support you along the way. The Residential Mortgage Loan Officer originates first mortgage loans, promotes One Florida and its lending services to the real estate community and helps to identify and serve the community's financial needs through home loan counseling, real estate agent seminars and sales meetings, and by participating in and promoting One Florida's community activities. This position is paid commission with a recoverable draw.

Requirements

Bachelor's degree in business or finance
Minimum 5 years’ experience as a Mortgage Loan Officer
1 – 4 years of family/secondary market agency lending required
Minimum of 4 years residential mortgage experience required
Excellent understanding of mortgage products and services
Good client service and communication skills
Ability to effectively respond to questions managers, clients, and the general public
Effective interpersonal relationships with management and team members
Ability to maintain a professional demeanor in a high-pressure environment
Ability to operate in a team environment to accomplish shared goals
Good organizational and analytical skills
Ability to work with basic mathematical concepts
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

Responsibilities

Solicit first mortgage loans.
Inform prospective loan client of underwriting guidelines and applicable government regulations.
Maintain knowledge of residential mortgage regulations, policies, and procedures to ensure compliance.
Also stay abreast of new legislation, regulations and guidelines that may affect residential lending.
Personally, interview all loan applicants and screen requests based on bank policies and on types of loans offered.
Complete each loan application and all pre-processing functions and send to mortgage processing in a timely manner.
Personally, answer incoming phone calls and schedule appointments.
Communicate complex approvals or denials to the borrower, real estate agent or builder timely.
Maintain and submit a status log (pipeline report) monthly to supervisor.
Communicate with business partners for referral opportunities.
Promote and participate in special credit programs and other CRA programs.
Actively participate in local business and community activities and maintain close contact with local builders, real estate brokers and agents, customers, prospects and other referral sources.
Attend closings.
Assist in processing efforts as applicable.
Maintain privacy and security of customer information.
Other related duties as assigned.

Benefits

100% employer paid Medical, Vision, Dental, STD, LTD and group life insurance for the employee only cost on most plans
401(k) Safe Harbor Match
Paid vacation and sick time plus 1 floating holiday
Paid volunteer hours
Wellness Program
Shared leave program
Paid Paternity Leave
Tuition Assistance Program
Pet Insurance
Team Building activities