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  • Mortgage Loan Officer

    Responsive Mortgage

    Loan officer job in Destin, FL

    Job Description Ready to Advance Your Career in Mortgage Lending? At Responsive Mortgage, we're committed to helping families achieve the dream of homeownership, one loan at a time. As part of our mission to provide top-tier lending services, we're looking for experienced Mortgage Loan Officers to join our growing team. As a Mortgage Loan Officer with Responsive Mortgage, you'll guide clients through one of their most important financial decisions. We equip our loan officers with the tools, technology, and support they need to excel in their careers. What Sets Us Apart: Weekly Collaboration Meetings: Connect with peers, exchange insights, and stay updated on market trends. Complete Technology Suite: Start strong with a laptop and access to industry-leading mortgage tools. Advanced Training Programs: Stay ahead of industry changes with ongoing, in-depth training. Personalized Coaching: Regular one-on-one mentoring sessions to help you grow. Team Support: Be part of a collaborative and welcoming culture. What We're Looking For: At least 3 years of experience in mortgage lending or related financial services An active NMLS license Proven ability to build and maintain strong client relationships Expertise in loan products and underwriting guidelines A passion for helping clients achieve their homeownership goals Excellent time management and organizational skills Why Choose Responsive Mortgage? We know you have options. Here's why top professionals join our team: Strong Market Presence: Leverage our established brand and reputation. Marketing Support: Access to tailored marketing tools and lead generation resources. Flexibility: Enjoy scheduling options that respect your personal time. Clear Growth Opportunities: A defined path to career advancement and increased earnings. Our commitment to your success begins on day one. With a structured onboarding process, you'll quickly integrate into our team while maintaining the independence to grow your business your way. Requirements: Proven track record of successful lending experience Current NMLS license Demonstrated success in loan origination Strong client communication and relationship-building skills Solid understanding of mortgage products and guidelines Ready to Move Forward? Join a team where your experience is appreciated, your success is celebrated, and your growth is supported. At Responsive Mortgage, we're not just offering a job - we're offering a partnership for success. Job Type: Full-time Pay: $48,226.91 - $196,492.21 per year Benefits: Flexible schedule Schedule: Monday to Friday Self-determined schedule Weekend availability Supplemental pay types: Bonus pay Commission pay
    $36k-59k yearly est. 13d ago
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  • Mortgage Loan Officer

    Smartbank Careers

    Loan officer job in Destin, FL

    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 Upholds SmartBank Core Values and Core Purpose. 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. Works in the community to create a brand awareness through outside sales. Attend events throughout the markets they support to increase brand awareness. Solicits first mortgage loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable secondary market guidelines. Accepts online applications and interviews loan applicants by phone or in-person. 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. Works with loan processor in gathering requested documents and necessary signatures for loan files. Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities. Completes appropriate underwriting documentation for each loan file. Submits loan to AUS for initial approval. Ensures maintenance of consistent file management, documentation and loan administration practices. Attends loan closings at various locations in the community they serve. 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. Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field. Cross-sells all other bank products when warranted and appropriate. Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act. Performs other duties as assigned. Position Requirements and Qualifications: Education: Bachelor's degree in business, finance or related field preferred. Two to four years of experience in originating secondary market mortgages, preferably in a bank environment. Training Requirements (licenses, programs, or certificates): NMLS registration required; participates in periodic training in mortgage products, services, regulations and compliance. Knowledge, Skills, and Abilities: Underwriting knowledge. Excellent communication skills (written, verbal, listening). Detail-oriented and well-organized. Ability to handle multiple priorities and produce results. Ability to handle frequent changes. Ability to maintain confidentiality and adhere to the institution's privacy policies. High level of integrity. 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. Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor. Self-motivated/takes initiative. Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient. Demonstrates ability to maintain a positive attitude. Able to maintain regular and predictable attendance. Willing to accept new ideas and methods and be agreeable to change. Work Conditions: Able to routinely stand, sit, bend and stoop. Frequently and regularly required movements using wrists, hands, and/or fingers. Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery. Ability to hear average or normal conversations and receive ordinary information. 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!
    $36k-59k yearly est. 60d+ ago
  • Inside Construction Loan Officer

    Crosscountry Mortgage 4.1company rating

    Loan officer job in Fort Walton Beach, FL

    CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Inside Construction Loan Officer is responsible for converting inbound premium leads into loans by promoting CrossCountry Mortgage's competitive mortgage products, services, and programs. This role consults with customers about their current and future goals to help achieve financing needs, collects and reviews all needed supporting loan documentation, and maintains minimum standards for production and quality. This position supports our Veteran's Lending Group team. Job Responsibilities: Establish a presence for CCM, including but not limited to, converting incoming leads. Analyze current rates and programs to provide accurate and timely information to borrowers. Negotiate terms and conditions with borrowers. Participate in all steps related to the origination of a mortgage loan including but not limited to, meeting with prospects, counseling borrowers, taking mortgage applications by phone. Manage a personal pipeline to ensure service standards and financial goals are met. Learn various borrowing programs and processes and stay current with changes and new products. Learn and utilize various in-house technical systems and programs. Evaluate credit requests and identify market trends. Comply with all applicable federal and state compliance guidelines related to the role. Available to work varying hours and overtime if needed. Qualifications and Skills: NMLS license under the terms of the S.A.F.E. Act of 2008 (SAFE Act). State license under the terms of the SAFE Act. 1+ years of construction sales or construction origination experience in a consumer direct or call center environment. Experience collecting and analyzing borrower income and negotiating skills. Experience proactively soliciting new business. Experience converting leads and in-bound calls, preferred. Knowledge of retail product philosophy, policy, underwriting, procedures, documentation, and systems. Excellent analytical skills. Excellent communication and collaboration skills. Proficiency in standardized software applications, including Microsoft Office Suite (i.e., Word, Excel, PowerPoint, and Outlook). Veterans are strongly encouraged to apply. Experience supporting military veterans or active-duty service members, preferred. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
    $37k-58k yearly est. Auto-Apply 25d ago
  • Loan Originator NE, Destin / Emerald Coast / PCB market

    Primelending 4.4company rating

    Loan officer job in Destin, FL

    Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.
    $32k-57k yearly est. Auto-Apply 60d+ ago
  • Mortgage Loan Officer

    Servisfirst Bank 4.0company rating

    Loan officer job in Pensacola, FL

    At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Loan Officer (MLO) proactively solicits new residential mortgage business and identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. An MLO's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, complying with all federal and state compliance policies and adhering to HMDA requirements. It is the policy of ServisFirst Bank to comply with the interagency rules implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, generally known as the SAFE Act. All employees meeting the definition of MLO must be registered with the Nationwide Mortgage Licensing System & Registry (NMLS). The incumbent will: Assist client in determining the proper loan program Complete mortgage applications for submission to loan processing and underwriting Provide required initial disclosures within the given time frame set by compliance Establish a detailed marketing/business plan which includes names of potential and existing loan customers, realtors, builders and developers; include frequency of contact in the plan Promote and cross-sell other products and services as appropriate to client requirements Conduct networking activities such as community events, attending local Chambers of Commerce meetings, developing relationships with centers of influence and entertaining clients/prospects to enhance relationships and create new sales Evaluate loan requests, analyze financial data and determine qualification of collateral and client credit history Structure loans to comply with acceptable lending practices and federal and state regulations Maintain contact with client throughout the loan process Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONS High school diploma or equivalent; bachelor's degree preferred Two (2) years of mortgage lending experience with proven mortgage production Previous experience using automated underwriting technology preferred Basic knowledge of bank operations and products FHA/VA experience required Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements Excellent knowledge of agency guidelines Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence Proficient in Microsoft Outlook, Word and Excel Excellent customer service and time management skills Ability to multitask, as shown in previous experience as a processor completing tasks under time constraints Good organizational skills and ability to develop basic understanding of underwriting guidelines Good data entry/keyboarding and math skills PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: Sustained standing and sitting Frequent use of PC, including typing or sustained attention to monitor Frequent typing using a keyboard and/or calculator Occasional lifting of basic office files or equipment up to 20 lbs Normal office environment with comfortable internal temperatures and low level noise EOE/AA
    $36k-58k yearly est. Auto-Apply 60d+ ago
  • Mortgage Loan Officer - Fairhope, AL

    GMFS

    Loan officer job in Fairhope, AL

    ←Back to all jobs at GMFS LLC Mortgage Loan Officer - Fairhope, AL At GMFS Mortgage, we believe in more than closing loans - we believe in changing lives. For over 25 years, we've built a company rooted in care, expertise, and connection, where team members feel valued and empowered to grow their business with real leadership behind them. As a privately held mortgage lender headquartered in Baton Rouge, LA, we combine strength of a proven platform with the personal touch of a people-first culture. We're expanding into new markets, and seeking entrepreneurial Mortgage Loan Officers to help us bring that same trusted, boutique feel to new communities. We have exciting opportunities in: Mobile, AL Fairhope, AL Macon, GA Pensacola, FL Baton Rouge, LA Prairieville, LA Denham Springs, LA Fairhope, AL Lake Charles, LA Lafayette, LA Hattiesburg, MS Beaufort, SC Here, you're not just another number in a corporate structure. You're part of a tight-knit group that works hard, laughs harder, and believes that success is sweeter when it's shared. You'll have direct access to leadership, a collaborative culture, and the autonomy to build your business your way-with our full support. Why Loan Officers Choose GMFS Supportive Leadership - Our leaders don't hide behind titles. When you call, we answer. In-House Operations - Underwriting and processing are in-house, so your files move fast and your clients stay happy. Privately Held & Personally Led - Decisions are made quickly, without layers of corporate red tape. Collaborative Culture - We celebrate wins together and support each other like family. Marketing & Brand Support - Tools, templates, and campaigns to help you build your personal brand and grow your business. Proven Stability - With team members here for 25+ years, GMFS is a place people come to stay. What You'll Be Doing: As a Loan Officer with us, you're the front line of trust. You're the guide for someone making the biggest financial decision of their life. You'll be: Building relationships with clients and community partners Advising borrowers with clarity, honesty, and heart Navigating every loan from first inquiry to final closing Actively growing your network and book of business Staying current on loan programs, products, and local market trends But most importantly, you'll be building something of your own- with a team behind you every step of the way . Who You Are: You're not just good at sales-you're good with people. You're motivated, ethical, and ready to build something that matters. You thrive in a supportive environment where success is celebrated, and collaboration is real. You're licensed (or can get licensed quickly) You've got experience in lending, real estate, or a related field You're driven by growth-not just quotas You know your local market and care about your community You're ready to do your best work with a team that's doing the same What's Next? If you're a Mortgage Loan Officer looking for more support, more connection, and more opportunity to grow, we'd love to talk. Apply today or reach out confidentially at ************************** GMFS Mortgage - Let's Make Home Happen. Please visit our careers page to see more job opportunities.
    $30k-49k yearly est. Easy Apply 36d ago
  • Mortgage Lending Officer

    River Financial Corporation 4.2company rating

    Loan officer job in Daphne, AL

    RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly. Essential Duties and Responsibilities: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: * Interview customers to determine their mortgage needs * Responsible for collecting financial information & evaluating creditworthiness and eligibility to obtain a mortgage loan * Guide the customer through their options and throughout the process * Prepare and submit mortgage loan applications * Ensure data are in line with national and local financial guidelines * Keep the customer informed throughout each step of the process * Help resolve problems/conflict with applications * Ensure compliance with privacy laws and confidentiality throughout the process * Build and maintain customer relationships, internal referral network, and community involvement Minimum Qualifications: * High School diploma or equivalent * At least (2) years' experience in related or equivalent mortgage banking * Knowledge & understanding of real estate lending criteria, compliance, federal/state regulations, loan origination and servicing software Skills, Abilities & Expectations: * Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner. * Stay abreast of regulatory requirements and complete annual compliance training applicable to the position * Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect * Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work * Detail oriented and organized Mortgage Loan Originator Job Description * Ability to analyze financial information * Excellent interpersonal and communication skills * Integrity, discretion, and respect for confidential information are absolutely essential * Willingness to adapt to change * Work within a variety of different software and web applications * Able to prioritize duties and effectively manage time * Analytical and problem-solving skills * Attend work on a regular basis, on time, and withstand varying degrees of stress * Excellent interpersonal and communication skills * Maintaining a professional, business-like appearance and demeanor * Proficiency in Microsoft Office products to include: Word, Excel, and Outlook Physical Demands: The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Disclaimer: The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.
    $33k-49k yearly est. 60d+ ago
  • Senior Loan Officer

    First Federal Bank 3.3company rating

    Loan officer job in Pensacola, FL

    Job Description Essential Functions - Interviews residential mortgage loan applicants. - Requests specified information for loan application. - Notifies applicant of loan decision. - Corresponds with customers, applicants or creditors to resolve questions regarding application information. - Recommends and outlines terms of loan. - Informs prospective borrowers of loan commitments. - Reviews developing laws and regulations as they apply to installment loan security agreements. - Assists collection officer with delinquent account files for the financial institution. - Responsible for quality loan growth. - Mortgage Originator cannot, directly or indirectly, commit First Federal on any lending decisions. - Provides the best service to our customers with innovative and creative solutions. Minimum Qualifications - High school diploma or equivalent required. 4-year degree preferred, but not required. - Minimum 6 years' experience originating mortgage loans. - Strong understanding and knowledge of financial institution and products and services. - Excellent cross- selling, organizational, and communication skills. - Able to communicate effectively with borrowers, builders and realtors. - Ability to deal with time constraints and strong attention to detail. - Extended hours sitting and performing computer tasks may be required. Bilingual candidates encouraged to apply. Equal Opportunity Employer / Vet / Disability E-verify Employer Powered by ExactHire:138345
    $39k-49k yearly est. 13d ago
  • Mortgage Lending Officer

    River Bank & Trust 4.2company rating

    Loan officer job in Daphne, AL

    Mortgage Lending Officer RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly. Essential Duties and Responsibilities: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: - Interview customers to determine their mortgage needs - Responsible for collecting financial information & evaluating creditworthiness and eligibility to obtain a mortgage loan - Guide the customer through their options and throughout the process - Prepare and submit mortgage loan applications - Ensure data are in line with national and local financial guidelines - Keep the customer informed throughout each step of the process - Help resolve problems/conflict with applications - Ensure compliance with privacy laws and confidentiality throughout the process - Build and maintain customer relationships, internal referral network, and community involvement Minimum Qualifications: - High School diploma or equivalent - At least (2) years' experience in related or equivalent mortgage banking - Knowledge & understanding of real estate lending criteria, compliance, federal/state regulations, loan origination and servicing software Skills, Abilities & Expectations: - Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner. - Stay abreast of regulatory requirements and complete annual compliance training applicable to the position - Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect - Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work - Detail oriented and organized Mortgage Loan Originator Job Description - Ability to analyze financial information - Excellent interpersonal and communication skills - Integrity, discretion, and respect for confidential information are absolutely essential - Willingness to adapt to change - Work within a variety of different software and web applications - Able to prioritize duties and effectively manage time - Analytical and problem-solving skills - Attend work on a regular basis, on time, and withstand varying degrees of stress - Excellent interpersonal and communication skills - Maintaining a professional, business-like appearance and demeanor - Proficiency in Microsoft Office products to include: Word, Excel, and Outlook Physical Demands: The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Disclaimer: The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.
    $23k-37k yearly est. 21d ago
  • Cold Calling / Mortgage Loan Officer

    TEL Staffing & HR

    Loan officer job in Spanish Fort, AL

    Are you looking for a place to KICK OFF YOUR CAREER?! This is a great place to start. Awesome opportunity for recent graduates getting into the workforce or someone doing a career change. TEL Staffing is hiring Mortgage Loan Officers to work for a Mortgage Lender in Spanish Fort, AL. The Mortgage Loan officer is responsible for advising, assisting and generating the paperwork needed to complete a loan application. DUTIES AND RESPONSIBILITIES Collect borrower's financial information including taxes and debt for the loan Present clients with loan options that are a good fit Identify future homebuyers through advertising, seminars and other channels Consult with clients to determine the best loan option Assist clients with completing the application from before submitting to underwriting Field both inbound and outbound calls Other duties as assigned PAY | $16.00-$18.00/hr DOE SCHEDULE | Monday-Friday, regular business hours REQUIREMENTS | Must pass pre-employment background check and drug screen. NO LICENSING REQUIRED TEL Staffing complies with regulations enforced by the EEOC. TEL Staffing is a drug-free workplace. This position is Direct Hire.
    $16-18 hourly Auto-Apply 60d+ ago
  • Community Development Mortgage Loan Originator

    Cadence Bank 4.7company rating

    Loan officer job in Pensacola, FL

    What The Role Is Under general supervision, the mortgage loan officer is responsible for originating new mortgage loan business for the bank by working with Realtors, Builders, past clients, and other referral partners. This Mortgage Lender will be responsible for participating in the areas Community Reinvestment Act lending activities by making joint calls with the Bank CRA Coordinator and be responsible for community outreach in our Low to Moderate Income areas. How You will Make an Impact ● Solicit business from potential and existing customers (outside and inside business location). ● Interviews loan applicants and processes loan applications for both purchase and refinance transactions. ● Counsel borrowers about various loan programs and help them to select the program that best fits their financial goals and needs. ● Assist the loan processor in gathering the necessary documents from the customer to prepare for underwriting. ● Works closely with the processor and underwriter to address any underwriting issues and get closed. ● Manages a large pipeline of loans including meeting closing deadlines, submitting loans to compliance, and making sure their pipeline meets the banks requirements. ● Provides and maintains a professional, business-like atmosphere within the organization. ● Represents the financial institution in public relations activities and community affairs. Who You Are ● Thorough understanding of all loan programs and closing costs. ● Have a good understanding of FHA, VA and conventional underwriting guidelines for all loan investors. ● Must be able to meet strict time deadlines and work independently under pressure. ● Must be detail oriented and able to follow set guidelines. ● Possess ability to sell oneself to potential customers and referral partners. ● Excellent written and verbal communication skills. Characteristics * Works cooperatively with others. * Regular and reliable attendance. This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) can provide information about the requirements for registration. If your experience aligns with this description, please consider applying. Many skills are transferable among industries and a passion for the role and willingness to learn are important considerations. We believe that a diverse workforce creates problem-solving and creative thinking, which is why we're dedicated to adding new perspectives to the team and encourage everyone to apply. The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability. #LI-RF1
    $29k-39k yearly est. 42d ago
  • Mortgage Loan Originator

    Pen Air Credit Union 3.7company rating

    Loan officer job in Pensacola, FL

    Since 1936 PenAir Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we're passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity and they're woven throughout our culture. PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.5 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia. Careers Do you have a passion for helping others?Currently, PenAir provides access to 14 convenient locations in Baldwin County, AL and Escambia, Santa Rosa, and Okaloosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too. Join the team. You'll fit right in. Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you? The PenAir difference. Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits. Holistic Amenities: Up to $15K available for continuing education Student Loan Paydown Adoption Assistance Reimbursement Wellness Programs Gym membership reimbursement Formal Career Development Resources Financial Wellness Resources Purchase assistance with computers and fitness equipment. Benefits Package Highlights: Generous PTO Plan-20 days for new hires Paid Maternal & Parental Leave Competitive Retirement Plan Competitive medical, dental & vision plans Company paid Telehealth services. Company paid Short Term Disability And more……….! The compensation plan includes a base salary ($30,000) plus competitive incentive opportunities. This role can be located in Pensacola, Florida or Mobile, Alabama. About the role: Develops outside community contacts such as realtors, builders, insurance agents, title companies, and other professionals to generate external mortgage leads. Manages leads from internal membership base including developing branch personnel in sourcing internal mortgage leads.Manages relationships with members and potential members via telephone and in-person interviews for first mortgage purchases, construction, and refinance transactions. Counsels with member(s) to provide best program to fit member(s)' needs. Regularly follows-up with borrowers, builders, and realtors on loan applications to convert applications to closed loans. Major Duties and Responsibilities: A major component of the Mortgage Loan Originator's schedule should include outside sales activities including regular calling on relationship partners to maintain existing partnerships and to develop/establish new relationship partners Meets in-person or by phone to answer general mortgage questions for members, potential members, and branch team members related to purchases, refinances, and new construction. Analyzes residential loan applications to verify that application data is complete and meets policy and procedure standards (i.e. allowable terms, assets, credit, and length of employment, etc.). Prepares and provides applicants with pre-qualification and denial letters. Within 3 days of a completed application, assures proper mortgage disclosures are provided to all borrowers. Follow-up with borrowers on completion of initial disclosures and requests minimum support documentation (i.e. income documents, asset statements, etc.) from borrowers. Forwards file to assigned Processor for submission to underwriting. Works with assigned branch personnel to educate them on basic mortgage products to assist in developing new mortgage leads. Performs other job-related duties as assigned. Minimum Qualifications: Experience A minimum of one year up to three years of similar or related experience, including preparatory experience. Education/Certifications/Licenses A high school degree or equivalent. Registered as an active Mortgage Loan Originator (MLO) on the NMLS site. Must renew registration each year and update when changes to name, address, etc. occur. Interpersonal Skills A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers. Other Skills: Must have professional and effective communication skills, strong computer skills, solid time management skills and ability to analyze and comprehend complex financial data to provide financial alternatives. This Job Description is not a complete statement of all duties and responsibilities comprising the position.
    $30k yearly Auto-Apply 1d ago
  • Mortgage Loan Originator

    Gulf Coast Bank & Trust Company 4.1company rating

    Loan officer job in Fort Walton Beach, FL

    The Mortgage Loan Originator will assist clients and provide excellent support throughout the home-buying process. The ultimate goal is to help clients realize and meet their financial goals be responsibly advising them throughout the mortgage loan process from application to closing. Responsibilities Generates new mortgage loans through realtors, customer inquiries and internal referrals for both owner and non-owner-occupied properties. Interview customers and educate them on loan programs available. Cross-sells GCB&T products. Works to build image of GCB and multiple customer relationships. Performs other duties as assigned. Requirements Skills/Experience/Education High school diploma or equivalent with some college coursework preferred. Minimum 2-5 years of sales experience preferred. Knowledge of mortgage finance. Needs a good understanding of how mortgage programs work (including guidelines for approval) with ability to write or verbally communicate details of programs to customers. Should have high degree of planning and organizational skills; be detail oriented. Sales skills to gain new business and obtain acceptance of new programs. This position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. Employment is contingent upon meeting initial and ongoing registration requirements, including acceptable background investigation results. Essential Mental & Physical Requirements Ability to travel if required to perform the essential job functions. Ability to work under stress and meet deadlines. Ability to read and interpret a document if required to perform the essential job functions. Prolonged periods of sitting at a desk and working on a computer may be required. Ability to lift/move/carry approximately 15 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division any “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement. Gulf Coast Bank & Trust Company and its subsidiaries is committed to a diverse and inclusive workforce. We are committed to equal employment opportunities without regard to race, color, genetic information, religion, sex, affectional or sexual orientation, gender identity or expression, age, marital status, military and veteran status, physical and mental disability, and any other characteristic protected by applicable law. We believe in attracting, retaining, and promoting quality talent and recognize that our diversity is critical to the success of the company.
    $26k-41k yearly est. 43d ago
  • Mortgage Loan Originator

    Home Bancshares, Inc. 4.0company rating

    Loan officer job in Niceville, FL

    The Mortgage Loan Originator solicits residential first mortgages through contacts with Realtors, builders, and developers. Interview loan applicants and make credit decisions. The MLO is responsible for handling referrals and developing referral contacts within the bank region. ESSENTIAL DUTIES AND RESPONSIBILITIES 1. Work with assigned branch office to ensure awareness of home loan products. 2. Handle referrals from branch office and provide appropriate follow-up. 3. Develop referral contacts (realtors, builders, professional and personal contacts). 4. Analyze financial data to determine creditworthiness. 5. Maintain knowledge of available loan products, processing procedures and underwriting guidelines. 6. Take borrower applications. 7. Utilize communication and access of daily rates, credit reports and DU responses and transmitting to processor. 8. Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner. 9. Maintain high levels of customer service while managing each applicant's and support staff's expectations. 10. Attend and participate in all lending meetings as required. 11. Complete BSA/AML training and other compliance training as necessary. 12. Perform any other related duties as required or assigned. Requirements QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION AND EXPERIENCE Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 4 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience. COMMUNICATION SKILLS Ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations. CRITICAL THINKING SKILLS Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats. REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. SOFTWARE SKILLS REQUIRED Intermediate: 10-Key, Accounting RESPONSIBILITY FOR WORK OF OTHERS The level of direct supervisory responsibility for the assignment of job duties, training, leadership, guidance, needs of employees, hiring, terminating and/or direction of the effort of others. Scoring will depend upon the number and classification of people normally supervised or directed, and the scope of complexity of the operations involved in the supervisory responsibility. (Job classification which involves no supervision will not be assigned a point value for this factor.) No supervision. Supervises the following departments: WORKING CONDITIONS Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting. ENVIRONMENTAL CONDITIONS The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. PHYSICAL ACTIVITIES The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations. Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks. While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. ADDITIONAL INFORMATION Not indicated
    $26k-40k yearly est. 60d+ ago
  • Mortgage Loan Processor

    Local Bank 4.1company rating

    Loan officer job in Daphne, AL

    Full-time Description The Mortgage Loan Processor is responsible for managing the loan file from the time of application through final approval. This role requires attention to detail, strong organizational skills, and the ability to communicate effectively with borrowers, loan officers, underwriters, and third-party vendors to ensure loans are processed accurately and efficiently while meeting all regulatory and compliance requirements. Key Responsibilities: Review mortgage loan applications for completeness and accuracy. Gather and verify required documentation from borrowers, including income, assets, liabilities, and credit information. Order and track third-party services such as appraisals, title work, and verifications of employment. Maintain regular communication with borrowers, loan officers, underwriters, and other parties to provide status updates and request additional information when needed. Review credit reports, income documentation, and asset statements to ensure compliance with lending guidelines. Prepare and submit complete loan packages to underwriting for approval. Monitor loan pipeline to ensure timely processing and adherence to deadlines. Ensure all documentation complies with federal, state, and investor regulations, as well as company policies. Address any underwriting conditions in a timely manner by working with the borrower and loan officer. Coordinate loan closings with all involved parties, ensuring a smooth and efficient process. Maintain accurate and organized records in the loan origination system. All other related duties as assigned. Requirements Qualifications: High school diploma or equivalent required; Associate's or Bachelor's degree in finance, business, or a related field preferred. Minimum of 2 years' experience in mortgage loan processing, lending, or a related financial services role preferred. Strong understanding of mortgage loan products, guidelines, and compliance regulations. Proficient with mortgage loan origination systems (LOS) and Microsoft Office Suite. Exceptional organizational skills with the ability to manage multiple files and deadlines simultaneously. Strong verbal and written communication skills. Detail-oriented with a commitment to accuracy and quality. Ability to work independently as well as collaboratively in a fast-paced environment. Work Environment: Standard office environment with occasional remote work as approved. May require extended hours to meet deadlines. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Ability to lift up to 15 pounds occasionally.
    $37k-53k yearly est. 60d+ ago
  • New Home Consultant Trainee

    Lennar 4.5company rating

    Loan officer job in Foley, AL

    We are Lennar Lennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Lennar has been recognized as a Fortune 500 company and consistently ranked among the top homebuilders in the United States. Join a Company that Empowers you to Build your Future The New Home Consultant Trainee at Lennar will be responsible for operating a Welcome Home Center under the guidance of a mentor. The role entails generating and maintaining a robust sales pipeline, engaging with customers to process sale agreements, and closing new home sales. A career with purpose. A career built on making dreams come true. A career built on building zero defect homes, cost management, and adherence to schedules. Your Responsibilities on the Team Engage and establish relationships with visitors to understand their home buying needs, utilizing the company's selling philosophy. Self-generate sales leads through community engagement, realtor partnerships, and proactive prospecting. Develop comprehensive knowledge of the competitive market, including products, community features, and demographics. Provide consistent follow-through with customers from initial contact to post-closing, maintaining accurate communication records. Participate in sales meetings, neighborhood promotions, and marketing programs. Ensure the maintenance of Welcome Home Center models and inventory homes. Complete required training and participate in community events and phone banks. Requirements High school diploma or equivalent; college degree and real estate license preferred. Valid driver's license and reliable transportation. Strong communication, organizational, and customer service skills. Proficiency in Microsoft Office and ability to use sales tracking tools. Self-motivated with a positive attitude and strong work ethic. Physical & Office/Site Presence Requirements: Regular, in-person attendance at Company communities/job sites and offices during regular work hours is an essential function of this job. This is primarily an active position, involving office/phone work and walking in all weather conditions, and uneven surfaces, to and within homesites in the community. Must have a valid state driver's license in order to take customers throughout the neighborhood and community, visit realtor offices, and to various other meetings in the process of self-generating sales. Finger dexterity is required to operate computer keyboard and telephone equipment. Must be able to lift and carry supplies and materials up to 25 pounds. #LI-TE1 #CB Life at Lennar At Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a $1 for $1 Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to $30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone's Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar's policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Join the fun and follow us on social media to see what's happening at our company, and don't forget to connect with us on Lennar: Overview | LinkedIn for the latest job opportunities. Lennar is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws.
    $20k-30k yearly est. Auto-Apply 7d ago
  • Mortgage Loan Originator

    Das Acquisiton Company

    Loan officer job in Fort Walton Beach, FL

    Who We Are At DAS Acquisition Company, LLC. (USA Mortgage), our mission is the unrelenting pursuit of perfection. We pride ourselves on the superior level of service that our status as a mortgage lender enables us to provide. Since 2001, we have been recognized as a top-choice residential lender in the St. Louis metropolitan area by the St. Louis Business Journal. Our ongoing success is driven by our strategy to deliver our clients a level of service unrivaled in the mortgage industry. We recognize that people are our competitive advantage, which is why we put so much emphasis ensuring that DAS Acquisition Company, LLC. is a great place to work! What You'll Do Our Mortgage Loan Originators make an impact on our clients' lives each day by helping them make strong financial decisions to achieve their personal and financial goals. Our mortgage professionals, carefully chosen from among the top in our industry, are our greatest asset. Many of these individuals are considered leaders in our field - we rely on their talent to keep us on the cutting-edge of industry trends, which allows us to constantly open doors as a mortgage industry leader. Our service-oriented attitude coupled with our unique and energetic atmosphere makes the home financing process what it should be - an exciting and rewarding experience! Responsibilities Provide every client the best service in the industry Market and solicit residential loan business, ensuring all phases of the loan process are performed in accordance with company and regulatory guidelines Advise and educate clients on the home-buying or refinancing process and how to better manage their mortgages Own and build your business within USA Mortgage with the support of our team Requirements 2 to 4-year college curriculum preferred, or equivalent industry experience Ability to work in a fast-paced, challenging sales environment Encompass experience or equivalent Basic computer skills Knowledge of various residential mortgage loan products Demonstrated ability to work both independently and as a team player Passion, great communication skills, self-motivation, positive attitude, and competitive spirit MLO approved license in NMLS Compensation · State Minimum Hourly - $14.00 (Recoverable) · Commissions on personal production · Voluntary: Medical, dental, vision, HSA, FSA, Short-Term Disability, Voluntary Life Insurance, CHUBB Supplemental Insurance, Pet Insurance, 401K · Company Paid: Long-Term Disability, Group Life Insurance, Employee Assistant Program (EAP), 401K Match, Employee Stock Ownership Plan (ESOP) Salary Description $14.00 Min Wage (recoverable), commission eligible
    $14 hourly 60d+ ago
  • Mortgage Loan Originator

    Trustmark 4.6company rating

    Loan officer job in Daphne, AL

    The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests. Responsibilities * Determine the best loan product for customer * Devise marketing plans to seek referrals from agents and builders * Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements * Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc * Develop referrals from internal and external sources. Maintain relationships with realtors by providing superior service * Originate and promote Trustmark's Community Lending Loans and Products * Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services Qualifications * Minimum of 2 years' experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products * Eligible for NMLS certification * Thorough knowledge of government and conventional mortgage loan guidelines and requirements * Extensive knowledge of the qualifying variables between mortgage loan products * Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements * Knowledge of appraisal standards and acceptability * Ability to produce tax return analysis as required by conforming loan guidelines * Must know how to fully disclose and handle all applications according to compliance regulations * Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations * Working knowledge of financial compliance and regulatory requirements * Computer skills * Interpersonal Skills * Sales skills * Communication skills * Analytical Skills * Junior college/Two-year college training preferred
    $24k-30k yearly est. Auto-Apply 31d ago
  • Mortgage Loan Officer

    Servisfirst Bank 4.0company rating

    Loan officer job in Pensacola, FL

    Job Description At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Loan Officer (MLO) proactively solicits new residential mortgage business and identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. An MLO's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, complying with all federal and state compliance policies and adhering to HMDA requirements. It is the policy of ServisFirst Bank to comply with the interagency rules implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, generally known as the SAFE Act. All employees meeting the definition of MLO must be registered with the Nationwide Mortgage Licensing System & Registry (NMLS). The incumbent will: Assist client in determining the proper loan program Complete mortgage applications for submission to loan processing and underwriting Provide required initial disclosures within the given time frame set by compliance Establish a detailed marketing/business plan which includes names of potential and existing loan customers, realtors, builders and developers; include frequency of contact in the plan Promote and cross-sell other products and services as appropriate to client requirements Conduct networking activities such as community events, attending local Chambers of Commerce meetings, developing relationships with centers of influence and entertaining clients/prospects to enhance relationships and create new sales Evaluate loan requests, analyze financial data and determine qualification of collateral and client credit history Structure loans to comply with acceptable lending practices and federal and state regulations Maintain contact with client throughout the loan process Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONS High school diploma or equivalent; bachelor's degree preferred Two (2) years of mortgage lending experience with proven mortgage production Previous experience using automated underwriting technology preferred Basic knowledge of bank operations and products FHA/VA experience required Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements Excellent knowledge of agency guidelines Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence Proficient in Microsoft Outlook, Word and Excel Excellent customer service and time management skills Ability to multitask, as shown in previous experience as a processor completing tasks under time constraints Good organizational skills and ability to develop basic understanding of underwriting guidelines Good data entry/keyboarding and math skills PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: Sustained standing and sitting Frequent use of PC, including typing or sustained attention to monitor Frequent typing using a keyboard and/or calculator Occasional lifting of basic office files or equipment up to 20 lbs Normal office environment with comfortable internal temperatures and low level noise EOE/AA
    $36k-58k yearly est. 21d ago
  • Outside Construction Loan Originator

    Crosscountry Mortgage 4.1company rating

    Loan officer job in Fort Walton Beach, FL

    CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Outside Construction Loan Originator is responsible for maintaining an NMLS license required under the S.A.F.E. Act of 2008, originating, and processing real estate mortgage loans in accordance with CrossCountry Mortgage's processes and product guidelines. This position supports our Veteran's Lending Group team. Job Responsibilities: Source mortgage leads. Build business relationships with real estate agents, builders, manufactured home companies/dealers, and other lead sources. Analyze potential loan markets and develop referral networks to locate prospects for loans. Market CCM products to individuals and firms, promoting CCM services that may meet customers' needs. Meet with applicants to obtain information for loan applications and answer questions about the process. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Generate complete loan applications with corresponding documentation. Improve loan applications and documentation by informing the applicant of additional requirements. Help customers by answering questions and responding to requests. Handle customer complaints and take appropriate action to resolve issues. Own communication with the real estate agent, builders, and other referral sources. Confer with processing and underwriting to aid in resolving mortgage application problems. Maintain job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations. Regularly participate in activities in connection with mortgage sales, including but not limited to attending closings, open houses, builder events, conducting CCM seminars/trainings, and other lead-generating activities. Participate in available mortgage coaching. Qualifications and Skills: NMLS license required under the S.A.F.E. Act of 2008. Experience proactively soliciting new business with builders and real estate agents. Encompass experience, preferred. Knowledge of retail product philosophy, policy, underwriting, procedures, documentation, and systems. Knowledge of mortgage products and programs, specifically with construction loans and one-time close construction loans, preferred. Excellent analytical skills for evaluating credit requests and determining market trends. Advanced communication and collaboration skills. Proficiency in standardized software applications, including Microsoft Office Suite (i.e., Word, Excel, PowerPoint, and Outlook). Veterans are strongly encouraged to apply. Experience supporting military veterans or active-duty service members, preferred. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
    $42k-66k yearly est. Auto-Apply 25d ago

Learn more about loan officer jobs

How much does a loan officer earn in Pensacola, FL?

The average loan officer in Pensacola, FL earns between $29,000 and $73,000 annually. This compares to the national average loan officer range of $30,000 to $69,000.

Average loan officer salary in Pensacola, FL

$46,000

What are the biggest employers of Loan Officers in Pensacola, FL?

The biggest employers of Loan Officers in Pensacola, FL are:
  1. ServisFirst Bank
  2. Satori Mortgage
  3. Regions Bank
  4. Tag Lending Group
  5. Tag Lending Group, LLC
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