Mortgage Loan Officer

Seacoast Bank; Orlando (FL); On-site; USD 60,000 - 90,000; Full time

Job summary

Seacoast Bank is seeking a Mortgage Loan Officer to grow its residential lending by building strong relationships with Realtors, builders, and referral sources. You will collaborate with internal teams to deepen customer relationships and drive deposit growth.

The role emphasizes networking, communication, and a people-first approach, requiring active market presence and adherence to regulatory standards. A well-established local presence is preferred.

Qualifications

• 2+ years of origination, processing, underwriting, or closing experience.
• 5+ years in business development or financial services experience.
• Strong communication and interpersonal skills.
• Availability to work after hours and weekends.

Responsibilities

• Collaborate with Loan Processing, Underwriting, Closing within 90 days to understand the process.
• Maintain regular communication with leadership and peer mentor to ensure expectations of the MLO are clear.
• Proactively solicit business at Realtors/Builder offices, builder models, and similar sites.
• Meet customers face to face during the application and expedite the process at the customer’s location.
• Collect and provide mortgage information to realtors and clients.
• Counsel borrowers, take applications, and review documentation.
• Review documents to ensure qualification and submit loan applications to processing.
• Build relationships with internal partners to deepen Seacoast Bank referrals.
• Attend closings, open houses, and local business events to generate production; ensure RESPA compliance.
• Maintain calling reports and loan sales pipeline reports.
• Adhere to Code of Conduct and regulatory requirements.

Skills

Networking

Relationship building

Excellent communication

Interpersonal skills

Education

High School Diploma

Bachelor's degree in finance or related field

Tools

Microsoft Office

Job description

JOB SUMMARY

We're looking for a Mortgage Loan Officer who knows that great business starts with great relationships. In this role, you'll grow Seacoast Bank's residential lending business by partnering with Realtors, builders, site agents, and other referral sources while collaborating with internal teams to deepen customer relationships and drive deposit growth.

We're seeking someone who is already well-established in the market and has built a reputation people trust. If you're the type who attends a networking event and spends more time catching up with familiar faces than making introductions, you'll fit right in. Most importantly, you'll represent Seacoast Bank with authenticity, integrity, and a genuine commitment to helping our clients and communities thrive.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Successfully collaborate within first 90 days with Loan Processing, Underwriting, Closing, and Secondary Market lines of business to understand the process.
• Consistent communication with leadership and peer mentor to ensure understanding and expectations of the MLO.
• Proactively solicit business and conduct sales-related activities in Realtor/Builder offices, builder models, etc.
• Meet customers face to face during the application and proactively expedite the process by meeting at the customer’s office or other suitable location.
• Collect and provide mortgage related information to realtors.
• Counsel borrowers, take application, 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 exuberance as outside referrals.
• Attend closings, open houses, referral client lunches, local business association meetings, and/or other outside business generating activities. These activities are considered necessary to produce, increase and sustain an acceptable level of production to be successful in the MLO role. Business development activities must always be RESPA compliant and otherwise consistent with regulatory, bank policy and Seacoast determined best practices.
• Responsible for maintaining calling reports and prospective loan sales pipeline reports.
• Accept loan applications and the collection all required applicant information while following Fair Lending performance standards and ensuring fair and equal treatment to all applicants. Ensure adherence to BSA/AML requirements of Customer Identification Program. Practices ethical sales behaviors in accordance with the Associate Code of Conduct and Sales Practices Policy, acting in the best interest of the applicant and their credit needs. Proactively helps to resolve customer concerns in a timely, professional, and positive manner, escalating issues to the next level of authority as needed.
• 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 required.
• 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.