Mortgage Loan Officer - The Villages

JOB SUMMARY:  

 ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Successfully collaborate within the first 90 days with Loan Processing, Underwriting, Closing, and Secondary Market lines of business to understand the process.  

• Maintain consistent communication with leadership and peer mentor to ensure clear understanding of expectations specific to the The Villages market.  

• Proactively solicit business onsite within The Villages, including Realtor/Builder offices, model homes, and designated sales centers.  

• Build and maintain strong, in-person partnerships with The Villages sales representatives and affiliated referral sources.  

• Meet customers face-to-face, often onsite within The Villages community, during application and throughout the loan process to provide a high-touch, concierge-level experience.  

• Drive loan applications and pipeline management to consistently meet The Villages expectation of a 30-day closing timeline, proactively identifying and resolving potential delays to ensure timely closings.  

• Collect and provide mortgage-related information to realtors, sales representatives, and customers within the community.  

• Counsel borrowers, take applications, and collect/review documentation.  

• Review documents to assure qualification and submit qualified loan applications to processing.  

• Build relationships with internal partners across lines of business to deepen existing Seacoast Bank relationships. Treat internal bank referrals with the same priority as external referrals.  

• Attend closings, open houses, community events, on-site builder activities, referral lunches, and local business association meetings within The Villages footprint. These activities are critical to producing, increasing, and sustaining acceptable levels of production. All business development activities must remain RESPA compliant and aligned with regulatory requirements, bank policy, and Seacoast best practices.  

• Maintain accurate calling reports and prospective loan sales pipeline reports.  

• Accept loan applications and collect all required applicant information while following Fair Lending standards and ensuring equal treatment of all applicants. Ensure adherence to BSA/AML Customer Identification Program requirements.  

• Practice ethical sales behaviors in accordance with the Associate Code of Conduct and Sales Practices Policy, always acting in the best interest of the applicant.  

• Proactively resolve customer concerns in a timely and professional manner, escalating when needed.  

• Maintain a consistent, onsite presence in The Villages market, including regular in-office hours and active engagement within the community. 

• Adheres to Seacoast Bank’s Code of Conduct. 

 EDUCATION and/or EXPERIENCE:  

• High School Diploma or equivalent years of experience required. 

• College degree in a financial related discipline preferred. 

• 2 years of origination, processing, underwriting, or closing experience preferred. 

• 5 years in business development and/or financial services experience required. 

• Demonstrate excellent communication (written and verbal) and interpersonal skills. 

• PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software. 

• This position requires after hours and regular weekend efforts. 

 The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position.  They are not intended to be an exhaustive list of responsibilities, duties, and skills.  Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry.  It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles.  This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.