REAL ESTATE RESIDENTIAL LOAN OFFICER - FLORIDA

FirstBank Florida; Miami (FL); On-site; USD 55,000 - 95,000; Full time

Job summary

FirstBank Florida is seeking a Real-Estate Residential Loan Officer to market mortgage loans to Realtors, builders, and other influencers while originating loans in line with lending policies. You will manage the application process, run DU and credit reports, and coordinate with processors to ensure timely disclosures and closings.

The role requires strong communication, attention to detail, and knowledge of real estate lending, with compliance to SAFE Act requirements and ongoing collaboration

Qualifications

• Three years of experience in banking or lending preferred or equivalent education/experience.
• Active driver's license required.
• Strong understanding of financial products, loan documentation, and real estate lending objectives.
• Completion of real-estate training program is preferred.
• Proficiency with MS Office and standard banking software.

Responsibilities

• Market real estate loans to Realtors, builders and other spheres of influence.
• Originate loans in accordance with lending policies and guidelines.
• Enter loan applicants into EZlender, and run DU and credit reports.
• Coordinate with processing team and provide necessary documents.
• Interview and guide customers to select FirstBank products.
• Complete a full mortgage loan application (1003) and set expectations with customers and partners.
• Submit applications to processors within three days as required by regulations.
• Provide updates to processors and underwriters about material changes.
• Monitor loan progress from application to closing.
• Represent the Bank at community events.

Skills

Customer focus

Relationship building

Communication

Attention to detail

Problem solving

Ownership

Teamwork

Compliance

Financial literacy

Education

Bachelor's degree in Finance/Business Administration or related field

Job description

REAL-ESTATE RESIDENTIAL LOAN OFFICER

Essential Functions:

• Responsible for marketing Real-Estate loans to Realtors, Builders and other spheres of influence by facilitating presentations, attending events, and cold calling.
• Must originate loans in accordance with FirstBank's lending policies, procedures and guidelines.
• Responsible for entering all loan applicants into the EZlender system, and run DU and credit reports.
• Provide the processing team with all necessary contact information, including but not limited to Realtor, access to property and closing agent.
• Responsible for interviewing and guiding prospective customers, enabling customers to select the best FirstBank product for their
  needs.
• Must complete a full mortgage loan application (1003), gather initial documentation, and set the expectations for customers, Realtors,
  and builders as to appropriate timeframes and targets.
• Communicate any and all additional and required documentation to customers.
• Must originate all mortgage loans in accordance with all Federal, State, FirstBank, and investor guidelines.
• Must submit completed applications in a timely manner to the Processors for disclosure within the three (3) days of application as required by Federal regulations.
• Must provide processors and underwriters with updates on any material changes that may take place during the loan process.
• Evaluate the documents provided by the customer and re-runs DU when appropriate.
• Monitor progress of approval through closing.
• Assist the support team with the gathering of any additional information required and all communication with the customer and referral
  source.
• Represent the Bank in functions within the community.

Competencies:

• Customer focus
• Building strong relations
• Communication
• Business acumen
• Problem analysis & solution
• Ownership
• Vision & values
• Collaboration & teamwork
• Development (personal & others)
• Change & innovation

Required Education and Experience:

"Employee must comply with all requirements related to the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act) and its corresponding regulations, including, but not limited to, obtain and maintain an active record and a unique identifier within the Nationwide Mortgage Licensing System and Registry (NMLSR), continue to meet said record and associated minimum register standards, including any applicable continuing education courses set forth by the Safe Act."

• Three years of experience in a similar job is required or equivalent combination of education and experience banking and/or lending
  Active driver's license
• Attention to detail
• Good understanding of financial products, loan documentation, and business objectives of a real-estate lending department
• Successful completion of approved real-estate training program
• Strong knowledge of Microsoft Office
• Good communication skills

Preferred Education and Experience:

• Bachelor's degree in Finance/Business Administration or related field

Other Duties Disclaimer:

Please note this position profile is not designed to cover or include a comprehensive listing of activities, duties or responsibilities that are
required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EOE/D/V/M/F/DFWP