Loan Officer - Retail

Embrace Home Loans; Tampa (FL); Hybride; USD 65 000 - 95 000; Plein temps

Résumé du poste

Embrace Home Loans seeks a motivated Loan Officer - Retail in Tampa, FL. This role focuses on building and maintaining client referral relationships, promoting the company brand, and delivering timely, accurate mortgage solutions. A hybrid office schedule is required to meet licensing and sales goals.

The position emphasizes staying informed on market trends, managing a pipeline, and collaborating with real estate professionals to create favorable financing options for clients.

Qualifications

• Bachelor’s degree or equivalent experience.
• Mortgage Loan Originator (MLO) License through NMLS.
• Proficiency with Microsoft Office Suite (Outlook, Word, Teams, etc.).
• Knowledge and experience using loan origination software(s).
• Strong teamwork, interpersonal, organizational, financial and customer service skills.
• Effective time management, priority setting and thoroughness skills.
• Ability to attend / promote the company brand at networking and/or marketing events to increase personal production.

Responsabilités

• Establish, develop and maintain client referral relationships with realtors, builders, developers, CPA’s, financial planners and make sales calls on potential or existing customers in order to develop new business and/or retain existing business.
• Keep informed of trends, changes, and developments in the local real estate market to deliver up to date information to clients.
• Keep up to date with changing rules, regulations, and guidelines from FNMA, FHLMC, FHA and VA in addition to other investors and agencies to prevent any errors during the loan process.
• To keep informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages to ensure product selection for a client is as accurate as possible.
• Negotiate price, terms, and conditions with mortgages to find the best scenario for the client.
• Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to: counseling and pre-qualifying potential home buyers; taking complete and accurate application; obtaining all necessary support documents along with the appropriate fees and lock in information; overseeing the loan process monitoring loan status and ensuring conformity with term; assisting in collecting additional documents and promptly communicated loan status to all interested parties; and obtaining loan documentation after closing as directed by corporate or senior management.

Connaissances

Interpersonal skills

Time management

Networking events

Customer service

Teamwork

Formation

Bachelor’s degree

MLO License (NMLS)

Outils

Loan origination software

Description du poste

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Loan Officer - Retail

Tampa, FL, US

Loan Officer - Retail (FOR Southeast US Region)

Location: Based on hiring needs

Department: Retail

Reports To: Branch Manager or Sales Manager

FLSA Status: Exempt

Business Unit: Retail Division

POSITION SUMMARY

Since 1983 our passion has been simple. We want to help you grow both personally and professionally. Embrace is a positive, exciting environment. It’s a place where new ideas and opportunities are encouraged. A place where life-changing experiences are created. When you join our team, you’ll receive the support you need to grow inside the office and out because we believe that business success and personal fulfillment go hand in hand. Maybe that’s why we’re such a great place to work. We realize that being successful at work is only the tip of your iceberg.

QUALIFICATIONS REQUIRED

• Bachelor’s degree and/or equivalent experience.
• Mortgage Loan Originator (MLO) License through NMLS.
• Proficiency with Microsoft Office Suite (Outlook, Word, Teams, etc.).
• Knowledge and experience using loan origination software(s).
• Strong teamwork, interpersonal, organizational, financial and customer service skills.
• Effective time management, priority setting and thoroughness skills.
• Ability to attend / promote the company brand at networking and/or marketing events to increase personal production.

RESPONSIBILITIES

• Establish, develop and maintain client referral relationships with realtors, builders, developers, CPA’s, financial planners and make sales calls on potential or existing customers in order to develop new business and/or retain existing business.
• Keep informed of trends, changes, and developments in the local real estate market to deliver up to date information to clients.
• Keep up to date with changing rules, regulations, and guidelines from FNMA, FHLMC, FHA and VA in addition to other investors and agencies to prevent any errors during the loan process.
• To keep informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages to ensure product selection for a client is as accurate as possible.
• Negotiate price, terms, and conditions with mortgages to find the best scenario for the client.
• Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to: counseling and pre-qualifying potential home buyers; taking complete and accurate application; obtaining all necessary support documents along with the appropriate fees and lock in information; overseeing the loan process monitoring loan status and ensuring conformity with term; assisting in collecting additional documents and promptly communicated loan status to all interested parties; and obtaining loan documentation after closing as directed by corporate or senior management.
• Maintain a professional image and standards consistent with company policies and procedures to represent Embrace as a leading lender.
• Follow through on all professional conditions and education requirements for licensure to ensure compliance in all business transactions.
• Adhere to organizational procedures for loan processing to ensure effective and efficient results.
• Participate in branch/headquarter meetings that require attendance to increase knowledge of process updates professional development.
• Performing such duties and assuming other responsibilities as may be assigned.

TRAINING REQUIRED

Participate in additional training on sales, technology, products, procedures and pricing on an ongoing basis. Complete annual training as required by company policy and law on an annual basis in a timely manner.

SPECIFIC ACTIVITIES

Read all newsletters and bulletins to remain current on corporate policies, procedures, and developments.

DRIVER ELIGIBILITY GUIDELINES

This position requires reliable transportation and the operation of a motor vehicle from time to time in order to perform your required job duties. Drivers must have a valid driver's license of the State they reside in. Additionally, drivers should have at least 2 years of driving experience and be at least 18 years old. Embrace Home Loans reserves the right to enforce additional driver eligibility guidelines as required by law.

MEASUREMENT OF SUCCESS

• Ability to maintain a steady pipeline of business.

PHYSICAL DEMANDS & WORK ENVIRONMENT

Work Environment: Office / Hybrid - No ability to be fully remote due to licensing requirements. A hybrid work schedule of 3 days in the office is mandatory.

Physical Demands: Light

While performing duties of job, employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; talk and hear. Employee must occasionally lift and/or move up to 5 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The applicant is not required to disclose the existence of any erased criminal history record information,
• Erased criminal history record information are records pertaining to a finding of delinquency or that a child was a member of a family with service needs, an adjudication as a youthful offender, a criminal charge that has been dismissed or nolled, a criminal charge for which the person has been found not guilty or a conviction for which the person received an absolute pardon or criminal records that are erased pursuant to statute or by other operation of law, and
• Any person with erased criminal history record information shall be deemed to have never been arrested within the meaning of the general statutes with respect to the proceedings so erased and may so swear under oath.

This job description is a general description of essential job functions. It is not intended as an employment contract, nor is it intended to describe all duties someone in this position may perform. All employees are expected to perform tasks as assigned by supervisory personnel, regardless of job title or routine job duties.

Embrace Home Loans is an Equal Opportunity and ADA compliant Employer, committed to diversity in the workplace.