Mortgage Loan Officer

2 months ago

Pensacola, United States SmartBank Full time

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.

About Us

SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements - that's the SmartBank way.

Your Role as a Residential Lender

  1. Upholds SmartBank Core Values and Core Purpose.
  2. Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart. Actively participates in mortgage department meetings and geographic market meetings.
  3. Works in the community to create a brand awareness through outside sales.
  4. Attend events throughout the markets they support to increase brand awareness.
  5. Solicits first mortgage loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable secondary market guidelines.
  6. Accepts online applications and interviews loan applicants by phone or in-person.
  7. Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three-business day period.
  8. Works with loan processor in gathering requested documents and necessary signatures for loan files.
  9. Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities. Completes appropriate underwriting documentation for each loan file.
  10. Submits loan to AUS for initial approval.
  11. Ensures maintenance of consistent file management, documentation and loan administration practices.
  12. Attends loan closings at various locations in the community they serve.
  13. Actively markets SmartBank's mortgage products and services to realtors, builders, CPA's, financial planners, title companies, etc. to solicit mortgage business. Completes weekly sales call reports and pipeline reports in a timely manner.
  14. Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
  15. Cross-sells all other bank products when warranted and appropriate.
  16. Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
  17. Performs other duties as assigned.
Position Requirements and Qualifications:

Education:
  1. Bachelor's degree in business, finance or related field preferred.
  2. Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.
Training Requirements (licenses, programs, or certificates):
  1. NMLS registration required; participates in periodic training in mortgage products, services, regulations and compliance.
Knowledge, Skills, and Abilities:
  1. Underwriting knowledge.
  2. Excellent communication skills (written, verbal, listening).
  3. Detail-oriented and well-organized.
  4. Ability to handle multiple priorities and produce results.
  5. Ability to handle frequent changes.
  6. Ability to maintain confidentiality and adhere to the institution's privacy policies.
  7. High level of integrity.
  8. Willingness to travel throughout their assigned territory to meet clients, solicit new business and attend community events in an outside sales capacity creating brand awareness.
  9. Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor.
  10. Self-motivated/takes initiative.
  11. Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient.
  12. Demonstrates ability to maintain a positive attitude.
  13. Able to maintain regular and predictable attendance.
  14. Willing to accept new ideas and methods and be agreeable to change.
Work Conditions:
  1. Able to routinely stand, sit, bend and stoop.
  2. Frequently and regularly required movements using wrists, hands, and/or fingers.
  3. Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
  4. Ability to hear average or normal conversations and receive ordinary information.
  5. May be required to travel to training sessions or meetings.

SmartBank Associate Benefits

SmartBank can offer you a comprehensive benefits package, including:
  • Medical, dental, vision, life, and disability insurance.
  • A 401(k) plan with an employer match of up to 4%.
  • Generous paid time off (PTO), including a minimum of 3 weeks.
  • SmartFlex Days.
  • Up to 11 Paid Company Holidays.
  • Mental health benefits, include 8 free sessions with a coach or certified professional.
  • Paid community involvement opportunities.
  • Company-provided apparel at no cost.
  • Learning and development opportunities, including professional and career development and tuition reimbursement.

Are you ready to be a part of the SmartBank team and experience all these incredible benefits? We look forward to welcoming you to our exceptional team

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

  • Mortgage Loan Specialist

    4 weeks ago

    Pensacola, Florida, United States D.R. Horton, Inc Full time

    About the JobD.R. Horton, Inc., a leading homebuilder in the US, is seeking a Mortgage Loan Specialist to join their Financial Services Branch. As a key member of the team, you will promote business development, originations, and customer relationships.Key ResponsibilitiesEducate mortgage applicants on financing options and understand their goals during...

  • Mortgage Loan Originator

    3 weeks ago

    Pensacola, United States D.R. Horton, Inc Full time

    Description D.R. Horton, Inc., the largest homebuilder in the U.S., was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for...

  • Mortgage Loan Originator

    2 months ago

    Pensacola, United States D.R. Horton, Inc Full time

    Description D.R. Horton, Inc., the largest homebuilder in the U.S., was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for...

  • Residential Mortgage Originator

    1 week ago

    Pensacola, Florida, United States First Federal Bank Full time

    Job RequirementsWe are seeking a qualified Residential Mortgage Originator to join our team at First Federal Bank. As a Senior Loan Officer, you will be responsible for originating mortgage loans, analyzing creditworthiness, and recommending loan terms to customers.Requirements for this role include a minimum of 6 years' experience originating mortgage...

  • Senior Loan Origination Specialist

    1 week ago

    Pensacola, Florida, United States First Federal Bank Full time

    Job DescriptionAt First Federal Bank, we are seeking a skilled Senior Loan Officer to join our team. This role will be responsible for interviewing residential mortgage loan applicants, requesting specified information for loan applications, and notifying applicants of loan decisions.The successful candidate will have a strong understanding and knowledge of...

  • Residential Mortgage Originator

    1 week ago

    Pensacola, Florida, United States First Federal Bank Full time

    Key ResponsibilitiesThe Residential Mortgage Originator will interview applicants, request information, and notify them of loan decisions. They will also correspond with customers, recommend loan terms, and review developing laws and regulations.The ideal candidate will have a minimum of 6 years' experience originating mortgage loans, strong cross-selling...

  • Loan Origination Specialist

    7 days ago

    Pensacola, Florida, United States First Federal Bank Full time

    Job OverviewWe are seeking a skilled Loan Origination Specialist to join our team at First Federal Bank. This role involves interviewing residential mortgage loan applicants, requesting specified information for loan applications, and notifying applicants of loan decisions.This is an excellent opportunity for individuals who are passionate about providing...

  • Mortgage Lending Professional

    1 week ago

    Pensacola, Florida, United States First Federal Bank Full time

    About the RoleThe Mortgage Lending Professional will be responsible for recommending loan terms, informing prospective borrowers of loan commitments, and reviewing laws and regulations as they apply to installment loan security agreements.In addition, the successful candidate will assist with delinquent account files, provide innovative solutions to...

  • Physician / Women's Health Specialist / Florida Opportunity with Loan Forgiveness

    2 weeks ago

    Pensacola, Florida, United States The Curare Group Full time

    Hospital-Employed OBGYN Opportunity in Northwest FloridaLocated near the beautiful beaches of Pensacola, this office offers an ideal work-life balance for families. With a 1:3 call ratio and access to state-of-the-art facilities, including two Xi DaVinci robots and five LDRP rooms, our team is dedicated to providing exceptional patient care.Compensation...

  • Delinquent Loan Recovery Officer

    1 week ago

    Pensacola, Florida, United States Gulf Winds Federal Credit Union Full time

    Gulf Winds Federal Credit Union OverviewWe offer innovative financial tools that empower our members to take control of their finances. With over 83,000+ members across Florida, Alabama, and Georgia, we're committed to being a leader in the industry.Collection Specialist Job DescriptionThis role requires an individual who can effectively communicate with...

  • Collections Officer

    3 weeks ago

    Pensacola, United States Gulf Winds Credit Union Full time

    DescriptionAbout Gulf WindsGulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and...

  • Internet Sales Specialist

    2 weeks ago

    Pensacola, United States D.R. Horton Full time

    *D.R. Horton, Inc., the largest homebuilder in the U.S.*, was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for homebuyers...

  • Internet Sales Specialist

    2 weeks ago

    Pensacola, United States D.R. Horton Full time

    *D.R. Horton, Inc., the largest homebuilder in the U.S.*, was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for homebuyers...

  • Member Service Representative

    4 weeks ago

    Pensacola, United States Navy Federal Credit Union Full time

    Overview To provide members and prospective members the full range of products and services offered by Navy Federal Credit Union including depository accounts such as checking, savings, certificate IRA, revocable trust and estate accounts; Lending products; and credit/debit cards. To perform moderately complex platform banking functions under supervision....

  • Member Advocate I

    3 weeks ago

    Pensacola, United States Gulf Winds Credit Union Full time

    DescriptionAbout Gulf WindsGulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and...

  • Hematology Oncology Physician Position

    6 days ago

    Pensacola, Florida, United States Baptist Medical Group, LLC Full time

    Baptist Medical Group, LLC is seeking an accomplished Hematology/Oncology Physician to enhance our team's expertise and dedication to delivering top-notch patient care. With our newly opened Brent Lane Medical Office Building Cancer Center on campus, we're poised to revolutionize oncology care in Pensacola, Florida. As a valued member of our team, you'll...

  • Physician Primary Care Specialist in Florida

    4 weeks ago

    Pensacola, Florida, United States Clear Staffing Full time

    About the OpportunityWe are seeking an experienced Family Medicine or Internal Medicine Physician to join our established Primary Care practice near Pensacola, Florida.Work-Life Balance4.5 day work week with no nights or weekendsSee 20-25 patients per daySupport and ResourcesExperienced support staffMidlevel supervision availableNo phone calls during office...

  • Orthopedic Surgeon Opportunity in Florida

    4 weeks ago

    Pensacola, Florida, United States Atlantic MEDsearch Full time

    We are seeking a skilled Orthopedic Surgeon to join our team at Atlantic MEDsearch. As a member of our group, you will have the opportunity to work alongside three experienced orthopedic surgeons and an advanced practice provider. Our established single-specialty group offers an excellent referral system, a supportive administrative team, and a loyal office...

  • OBGYN Opportunity in Growing Florida County

    1 month ago

    Pensacola, Florida, United States The Curare Group Full time

    Are you a skilled Obstetrician-Gynecologist looking for a challenging and rewarding career opportunity? We have an exciting hospital-employed OBGYN position available in northwest Florida, just 20 minutes from the beautiful beaches of Pensacola Beach. Our office is located in close proximity to the hospital, which boasts state-of-the-art facilities including...

  • Superintendent

    3 weeks ago

    Pensacola, United States D.R. Horton, Inc Full time

    Description  D.R. Horton, Inc., the largest homebuilder in the U.S., was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for...