Mortgage Loan Officer (Sales) Florida Suncoast
HybridTampa, Florida, United States
Job Summary
Manage day-to-day sales and support for mortgage loan applications from community financial centers, web, and referral sources. Counsel members on new loan options, analyze documentation for prequalification, and process loans through the Loan Operating System. Engage with realtors, builders, and local organizations to develop referral strategies and solicit new residential mortgage business. Ensure compliance with federal regulations, including the Bank Secrety Act and Patriot Act, while communicating lending decisions and counter-offers to borrowers. Work full-time hybrid hours Monday through Friday with on-call availability for headquarters, community centers, or events as needed.
Required Qualifications
- High school diploma or equivalent
- Min 1 -3 years' experience or combination of education and experience
- Qualify for NMLS registration according to the Safe Act
- Demonstrate a functional knowledge of the necessary federal laws and regulations
- Demonstrate a functional knowledge of the Bank Secrecy Act
- Knowledge of U.S. Patriot Act
- Knowledge of Office of Foreign Assets & Control
- Knowledge of Anti-Money Laundering
- Knowledge of Right to Financial Privacy Act
- Knowledge of the Bank Bribery Act
- Ability to handle multiple job responsibilities and tasks to accomplish goals and objectives
- Must demonstrate a functional knowledge of the necessary federal laws and regulations
- Hybrid candidates must live within driving distance of the office location
- Candidates must provide and meet all technical requirements prior to the first day of training
- Required to have power and high-speed internet over 100MB (minimum)
- Video capability (connection of 1.5 Mbps up and down recommended)
Desired Qualifications
- Some college preferred
- Knowledge of secondary market is preferred
- Bilingual preferred (English/Spanish)
- Engaged in campus activities and community involvement
- Desire to provide exceptional member experience and provide needs-based selling
- Experience with realtor events and activities
- Experience with lead groups
- Experience with local chamber membership
- Experience with community organizations
- Experience with product training and sales technique
- Experience with developing referral strategies
- Experience with developing a circle of influence for referrals
- Experience with developing and maintaining referral contacts
- Experience with developing and maintaining professional relationships with realtors
- Experience with developing and maintaining professional relationships with builders
- Experience with working effectively with management and staff
- Experience with counseling members on new mortgage loan options
- Experience with analyzing all loan file documentation
- Experience with moving into full loan application
- Experience with Loan Operating System (LOS)
- Experience with secondary market, FHA, VA and CU Portfolio loans
- Experience with GTE's full suite of lending products
- Experience with Checking, Commercial, Investments & Insurance Services
- Experience with communicating lending decisions with regards to denials or counter-offers
- Experience with retaining and enhancing mortgage acumen
- Experience with reinforcing the selling points of loan types, rates, payments, and terms
- Experience with making and following up on initial document requests from borrowers
- Experience with preparing loans for underwriting review
- Experience with reviewing credit
- Experience with reviewing automated underwriting decisions
- Experience with ensuring that member loan requests meet the members' needs
- Experience with managing day-to-day sales and support
- Experience with applications coming from community financial centers
- Experience with applications coming from web
- Experience with applications coming from external referral sources
- Experience with in-bound phone inquiries
- Experience with proactively soliciting new residential mortgage business
- Experience with representing GTE in the market
- Experience with meeting with and counseling members on new mortgage loan options
- Experience with engaging with Community Financial Center teammates
- Experience with developing quality referral strategies
- Experience with participation in realtor events and activities
- Experience with lead groups
- Experience with local chamber membership
- Experience with community involvement
- Experience with campus activities
- Experience with strategic in maintaining defined service level expectations
- Experience with good interpersonal skills
- Experience with working effectively with management and staff
- Experience with engaging in weekly or bi-weekly team meetings
- Experience with conference calls
- Experience with events as assigned
- Experience with implementing actions plans
- Experience with focusing on areas of opportunity with all lending products
- Experience with providing needs-based selling
- Experience with delivering excellent service to our members
- Experience with performance standards
- Experience with alternative work arrangements
- Experience with hybrid work
- Experience with in-office work
- Experience with remote work
- Experience with managing the day-to-day sales and support
- Experience with applications coming from our community financial centers
- Experience with applications coming from web
- Experience with external referral sources
- Experience with in-bound phone inquiries
- Experience with member loan requests
- Experience with members' needs
- Experience with credit
- Experience with automated underwriting decisions
- Experience with initial document requests from borrowers
- Experience with loans for underwriting review
- Experience with new mortgage loan options
- Experience with current product guidelines
- Experience with Community Financial Center teammates
- Experience with product training
- Experience with sales technique
- Experience with community organizations
- Experience with circle of influence for referrals
- Experience with realtor events and activities
- Experience with lead groups
- Experience with local chamber membership
- Experience with proactively soliciting new residential mortgage business
- Experience with representing GTE in the market
- Experience with developing and maintaining referral contacts
- Experience with professional relationships with realtors
- Experience with professional relationships with builders
- Experience with analyzing all loan file documentation
- Experience with prequalification process
- Experience with full loan application
- Experience with Loan Operating System (LOS)
- Experience with secondary market
- Experience with FHA
- Experience with VA
- Experience with CU Portfolio loans
- Experience with documentation that goes with those loan products
- Experience with GTE's full suite of lending products
- Experience with other product offered to our members
- Experience with Checking
- Experience with Commercial
- Experience with Investments & Insurance Services
- Experience with communicating lending decisions
- Experience with denials
- Experience with counter-offers
- Experience with upfront
- Experience with retaining and enhancing mortgage acumen
- Experience with maintaining knowledge of mortgage products/services
- Experience with credit union
- Experience with reinforcing the selling points
- Experience with loan types
- Experience with rates
- Experience with payments
- Experience with terms of mortgage products
- Experience with strategic in maintaining defined service level expectations
- Experience with good interpersonal skills
- Experience with working effectively with management and staff
- Experience with campus activities
- Experience with community involvement
- Experience with desire to provide exceptional member experience
- Experience with providing needs-based selling
- Experience with operations
- Experience with performance goals
- Experience with targets
- Experience with annual performance planning process
- Experience with organizational goal/production planning
- Experience with weekly or bi-weekly team meetings
- Experience with conference calls
- Experience with events as assigned
- Experience with functional knowledge of the necessary federal laws and regulations
- Experience with Bank Secrecy Act
- Experience with other Federal laws
- Experience with U.S. Patriot Act
- Experience with Office of Foreign Assets & Control
- Experience with Anti-Money Laundering
- Experience with Right to Financial Privacy Act
- Experience with Bank Bribery Act
- Experience with bilingual
- Experience with English/Spanish
- Experience with required
- Experience with hybrid
- Experience with in-office
- Experience with remote
- Experience with quiet workplace
- Experience with focus on delivering excellent service to our members
- Experience with performance standards
- Experience with alternative work arrangements
- Experience with power and high-speed internet
- Experience with 100MB
- Experience with 1.5 Mbps
- Experience with video capability
- Experience with connection of 1.5 Mbps up and down
- Experience with technical requirements
- Experience with first day of training
- Experience with driving distance
- Experience with office location
- Experience with regularly commute to and from the office location
- Experience with as needed
- Experience with award-winning team
- Experience with Equal Opportunity Employer
- Experience with general nature
- Experience with level of the work
- Experience with being performed
- Experience with exhaustive list
- Experience with all responsibilities
- Experience with employee
- Experience with revise or change job duties
- Experience with any time
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- Experience with one of America's Greatest Workplaces
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- Experience with top workplace
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- Experience with Best Places to Work for Women
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