Real Estate Residential Loan Officer - Florida

REAL-ESTATE RESIDENTIAL LOAN OFFICER Summary

Primary responsibility is to originate high‑quality first and second mortgages, which may be retained in the loan portfolio or sold in the secondary market as FNMA, FHA or GNMA securities. The Loan Officer must source residential loans from external mortgage sources such as realtors, CPAs, attorneys, builders and bank clients, and cross‑sell additional bank products by referring clients to branch representatives.

Excellent customer service and strong collaboration with Lending Officers are essential.

• Originate first and second mortgage loans, ensuring they meet First Bank’s lending policies, procedures, and guidelines.
• Source residential loans from realtors, builders, CPAs, attorneys, and other referral sources; conduct presentations, attend events, and cold‑call potential clients.
• Enter all loan applicants into the Encompass application system and run DU and credit reports.
• Interview and guide prospective customers, enabling them to select the best First Bank product for their needs.
• Complete full mortgage loan applications, gather initial documentation, and set realistic time‑frame targets for customers and referral partners.
• Ensure timely submission of completed applications to processors for disclosure within the required federal three‑day window.
• Provide processors and underwriters with updates on material changes and evaluate documents to re‑run DU as necessary.
• Monitor the loan process from approval through closing and assist support teams with additional information requests.
• Represent First Bank at meetings, real‑estate functions, and community events.

• Adhere to the Bank’s BSA, AML, and Office of Foreign Asset Control (OFAC) policies; report suspicious activity and complete mandatory training.
• Comply with the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act) by obtaining and maintaining an active record and unique identifier in the Nationwide Mortgage Licensing System and Registry (NMLSR), and by meeting all minimum register standards and continuing education requirements.

• Customer focus
• Building strong relationships
• Communication
• Business acumen
• Problem analysis & solution
• Ownership
• Vision & values
• Collaboration & teamwork
• Personal & others development
• Change & innovation

• At least 3‑5 years of experience in a similar role or an equivalent combination of education and experience.
• Active driver’s license.
• Attention to detail.
• Good understanding of financial products, loan documentation, and real‑estate lending objectives.
• Successful completion of an approved real‑estate training program.
• Strong knowledge of Microsoft Office.
• Good communication skills.

• Bachelor’s degree in Finance, Business Administration, or a related field.

We are an equal opportunity employer and encourage diverse applications.