One Florida Bank · 2 months ago
Residential Mortgage Loan Officer
Chipley,FL,US
Full-time
Onsite
Senior Level
5+ years expOne Florida Bank is a Florida-based bank committed to building relationships within the community. The Residential Mortgage Loan Officer is responsible for originating first mortgage loans, promoting lending services, and providing home loan counseling to meet the community's financial needs.
BankingCreditFinancial ServicesLendingMortgage
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
Qualification
Required
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 from 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
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
Company
One Florida Bank
One Florida Bank offers personal and commercial banking services such as treasury management, online banking, mortgage lending and payments.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Randy Burden
Chairman Of The Board
Recent News
2022-09-20
2022-02-04
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