Mortgage Loan Officer

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

Job summary

Seacoast Bank is seeking a Mortgage Loan Officer who will grow our residential lending business by partnering with Realtors, builders, site agents, and other referral sources while collaborating with internal teams to deepen customer relationships. You will meet clients in their offices, solicit new business, and guide borrowers through the application and closing process with professionalism and compliance.

A track record in the Tampa market and an active NMLS license are required.

Qualifications

• 3-5 years of Residential Mortgage Lending experience.
• 2+ years origination, processing, underwriting, or closing experience.
• 5+ years in business development and/or financial services experience.
• Excellent written and verbal communication and interpersonal skills.

Responsibilities

• Collaborate with Loan Processing, Underwriting, Closing, and Secondary Market teams to understand the process.
• Proactively solicit business and conduct sales activities in Realtor/Builder offices.
• Meet customers face-to-face during the application and expedite the process.
• Maintain calling reports and prospective loan sales pipeline reports.
• Ensure adherence to RESPA, BSA/AML, and fair lending requirements.
• Attend closings, meetings, and outside business activities to generate production.

Skills

Communication

Interpersonal skills

Education

High School Diploma or equivalent

NMLS

Tools

Microsoft Office Suite

Job description

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.
• 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.

Qualifications

Experience

Required

3-5 years: Residential Mortgage Lending

Licenses & Certifications

Required

NMLS

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.