Community Lending Officer

First Federal Bank; Starke (FL); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Paid Sick Leave

Paid Vacation Leave

Medical Plan Offerings

Employer HSA Contributions

Life Insurance Policy

Annual Health Incentive

Tuition Reimbursement program

401k Retirement Plan

11 Paid Holidays

Job summary

First Federal Bank in Starke, Florida, seeks an experienced candidate for business development and mortgage loan origination. The position involves promoting the bank, developing new business relationships, and assisting customers with loan products.

The ideal candidate will have at least five years of business strategy experience, a Bachelor's degree in finance or related field, and strong sales and communication skills. This role requires a professional presence and familiarity with mortgage products.

Qualifications

• Minimum of five years’ experience in developing and executing business strategies.
• Knowledge of federal and state regulations applicable to mortgage law.
• Capable of maintaining a professional presence and ethical growth.

Responsibilities

• Promotes First Federal in business and mortgage activities.
• Prospects for new business and retail customers.
• Originates residential loans via the bank’s products.

Skills

Financial sales capability

Sales and negotiation skills

Communication skills

Organizational skills

Knowledge of mortgage products

Education

Bachelor’s degree in business finance or related field

Tools

Computer software systems

Job description

Benefits

• Paid Sick Leave
• Paid Vacation Leave
• Four Medical Plan Offerings to choose from
• Employer HSA Contributions (Coverage/Plan exclusions)
• Employer Provided Life Insurance Policy
• Annual Health Incentive
• Annual Wellness Reimbursement
• Tuition Reimbursement program
• Generous Match 401k Retirement Plan
• 11 Paid Holidays based on the Federal Reserve Calendar

Essential Functions

• Promotes and enhances image of First Federal in all business and mortgage activities within our markets.
• Prospects for new business and retail customers and develops new relationships.
• Serves as a small business “consultant” with no managerial liability.
• Serves as relationship manager to all new and inherited small business customers.
• Assists business manager in product development and service delivery to ensure superior customer satisfaction and bank profitability.
• Assists business manager in meeting the requests of the bank’s most profitable customers.
• Gathers, analyzes, and communicates customer information to assist in the development and processing of commercial, residential and consumer lending opportunities.
• Corresponds with customers and applicants to resolve questions regarding application information.
• Identifies and recommends changes to the Bank's mortgage loan programs to better assist residents in obtaining credit in the bank’s deposit accepting markets, particularly those residing in MMCTs.
• Partners with community-based or governmental organizations that provide the residents of MMCTs with services related to credit, financial education, homeownership, and foreclosure prevention.
• Originates residential loans via the bank’s portfolio loan products across the bank’s deposit accepting footprint both directly and as referrals.
• Has strong communication skills.
• Participates with the President of the Residential Division, the Chief Lending Officer and the Director of Community Banking in the development of the Strategic Marketing and Sales Plan, particularly in MMCTs.
• Interviews residential mortgage loan applicants. Recommends and outlines terms of loan. Informs prospective borrowers of loan commitments.
• Reviews developing laws and regulations as they apply to installment loan security agreements.
• Assists collection officer with delinquent account files for the financial institution.
• Is responsible for quality loan growth.
• Does not directly or indirectly commit First Federal on any lending decisions.
• Possesses the capability to implement/install the bank’s computer software systems that will enhance customer’s relationship.
• Provides the best service to our customers with innovative and creative solutions.

Job Requirements

• Minimum of five years’ experience with proven results on developing a business strategy and successful execution of a plan.
• Bachelor’s degree in business finance, or related field or 5 years banking experience.
• Financial sales capability.
• Knowledge of mortgage products, its market and economy trends.
• Thrive for high service and quality standards.
• Excellence in working within regulatory framework is a must.
• Proven knowledge on regulations (federal and state) applicable to mortgage and banking law.
• Excellent sales and negotiation skills.
• Good cross selling, organizational, and communication skills.
• Able to communicate effectively with builders and realtors.
• Ability to work in a team environment and interact with all levels within the organization, with external business and community sectors.
• Capable of maintaining a professional presence with emphasis on professionalism, personal and ethical growth.
• Highly organized and demonstrated prioritization skills.
• Excellent communication, public relations skills, computer and research skills.
• Ability to deal with time constraints and strong attention to detail.
• Travel may be required.
• Extended hours sitting and performing computer tasks may be required.
• Loan Originators are required to have a confirmed NMLS# with First Federal Bank before originating residential mortgage loans and maintain their NMLS# in an active status for the duration of employment.
• Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank.

Bilingual candidates encouraged to apply.

EQUAL OPPORTUNITY EMPLOYER / VET / DISABILITY

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