Residential Mortgage Loan Officer

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.

ESSENTIAL DUTIES

• 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.

ROLES AND RESPONSIBILITIES

• 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.

SUPERVISORY RESPONSIBILITIES

• None.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

• 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

Language and Interpersonal Skills

• 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

Mathematical Skills

• Ability to work with basic mathematical concepts
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

One Florida Bank supports a diverse workforce and is proud to have an engaged and inclusive culture that promotes equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. One Florida Bank conducts pre-employment background screening, credit checks and drug testing.

Should you have a disability and need assistance with the application process, please request a reasonable accommodation by contacting the HR Department.

What about the benefits?

We recognize all Federal holidays every year and we offer highly competitive benefits such as:

• 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