Mortgage Loan Officer - Florida

Overview

Thank you for your interest in a career  Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career — a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

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Job Description:

At Regions, the Community Mortgage Loan Officer establishes relationships with nonprofit housing groups, state and local housing offices, and community-based affordable housing organizations to generate and increase mortgage lending opportunities - particularly opportunities that support Regions’ efforts to meet its goals relating to the Community Reinvestment Act (CRA) and underserved consumers. This role will focus on originating residential mortgage loans to consumers with low-to-moderate income (as identified by the Department of Housing and Urban Development) and/or secured by property located in low-to-moderate income census tracts.

This will include outside sales efforts and use of Regions’ network of branches. Responsibilities include qualifying customers, submitting applications, and facilitating essential communication between parties throughout the process.

• Increases mortgage loan volume, primarily focusing on underserved communities and low-to-moderate income consumers and geographies, through effective selling

• Promotes the Bank’s CRA efforts and generates residential mortgages in targeted areas

• Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas

• Partners with state, local and county down-payment-assistance programs

• Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations

• Advises customers on the mortgage loans that are appropriate for their individual financial circumstances

• Develops leadership abilities in the community when it comes to mortgages and mortgage knowledge

• Builds and deepens relationships with industry-specific centers of influence, such as real estate agents and contractors

• Maximizes the bank’s resources to assist in selling and establishing relationships

• Cross-sells bank products at each mortgage closing

• Structures loan to comply with acceptable lending practices and Federal regulations

• Complies with all appropriate bank policies and regulatory guidelines

This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act.

This position is incentive eligible.

This position requires registration with the Nationwide Mortgage Licensing System and Registry (NMLS). Please refer to (Use the "Apply for this Job" box below). for more information.

• High School Diploma or GED

• One (1) year of mortgage lending experience with proven mortgage production

• Bachelor's degree

• Prior mortgage experience in developing external business relationships

• Good organizational skills

• Knowledgeable of Mortgage products, systems, terminology, tax requirements, down payment assistance programs, etc.

• Knowledgeable on agency and investor regulations and guidelines

• Must be able to build and maintain internal and external relationships to…