Loan Officer

First Federal Bank; Pensacola (FL); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Tuition Reimbursement

Generous 401k match

Annual Health Incentive

Annual Wellness Reimbursement

Paid Sick Leave

Paid Vacation Leave

11 Paid Holidays

Job summary

First Federal Bank is seeking a Mortgage Originator in Pensacola, FL to interview loan applicants, gather required information, and advance residential mortgage applications in compliance with banking policies. You will communicate clearly with customers and creditors, outline loan terms, and support timely decisions while ensuring quality loan growth.

The role requires a high school diploma or equivalent, with a BA/BS preferred and a valid NMLS#.

Qualifications

• High school diploma or equivalent required.
• BA/BS degree preferred, but not required.
• Good understanding of financial institutions, products, and services.
• Ability to cross-sell and communicate effectively with builders and realtors.
• Able to manage time constraints and attention to detail.
• Must hold and maintain a valid NMLS# with First Federal Bank.

Responsibilities

• Originates residential mortgage loans in compliance with policies and procedures.
• Interviews loan applicants and requests required information.
• Notifies applicants of loan decisions and follows up on questions.
• Explains terms, and coordinates with customers, applicants or creditors.
• Ensures quality loan growth and regulatory compliance.

Skills

Cross selling

Communication skills

Organizational skills

Education

BA/BS degree preferred

Job description

Core values speak to the heart of an organization and are the essence of a company’s identity. Everything we do is centered around ourcommunity,customer service, ourstability, and beingtrustworthy. These values support our mission and vision, shape our culture, and provide a foundation for the future.

Offering a dynamic benefit package that includes but is not limited to:

• 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
• Paid Sick Leave
• Paid Vacation Leave
• 11 Paid Holidays based on the Federal Reserve Calendar

Essential Functions:

• Originates residential mortgage loans, in compliance with financial institution policies and procedures.
• Interviews residential mortgage loan applicants.
• Requests specified information for loan application.
• Notifies applicant of loan decision.
• Corresponds with customers, applicants or creditors to resolve questions regarding application information.
• 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.
• Sets and carries out priorities exhibiting proper time management; completes assigned work efficiently in established time frame.
• Communicates effectively, shares information appropriately, timely with tact and diplomacy.
• Responsible for quality loan growth.
• Mortgage Originator cannot, directly or indirectly, commit First Federal on any lending decisions.
• Provides the best service to our customers with innovative and creative solutions.

Job Requirements:

• High school diploma or equivalent required.
• BA/BS degree preferred, but not required.
• Good understanding and knowledge of financial institution and products and services.
• Good cross selling, organizational, and communication skills.
• Able to communicate effectively with builders and realtors.
• Ability to deal with time constraints and strong attention to detail.
• Loan Officers 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.
• Extended hours sitting and performing computer tasks may be required.
• 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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