real estate residential loan officer - Miami Springs - First Bancorp

    First Bancorp
    First Bancorp Miami Springs

    1 week ago

    Description

    REAL ESTATE RESIDENTIAL LOANOFFICER

    Summary:
    Primary responsibility is to originate highquality first and second mortgages.

    These loans can be placed in the loanportfolio or for sale in the secondary market as FNMA securities, or governmentbacked (FHA) or (GNMA) securities.

    The Loan Officer must source residentialloans from external mortgage sources, such as realtors, CPA's, attorneys, orany other mortgage referral source, including bank clients.

    Must be able tocross sell additional bank products by referring to bank branchrepresentatives. Ability to be a team player, communicate and collaborate withthe Lending Officers. The individual must strive to achieve an outstandinglevel of customer service in accordance with the bank's standards andcompetencies. Must have knowledge of FHA, Fannie Mae, VA loans origination.
    Must understand CRA loans.
    Accountable for adhering to the Bank's BSA, AML, and Office ofForeign Asset Control (OFAC) applicable policies. Employee must follow specificunit procedures developed in compliance with the policies.

    Employee is alsoresponsible for reporting any suspicious activity and /or transactions inaccordance with the bank's processes and comply with any mandatory BSA, AML,and OFAC training assigned.


    Essential Requirements:


    Employee must comply with all requirements related to the Secureand Fair Enforcement Mortgage Licensing Act of 2008, (SAFE ACT) and itscorresponding regulations, including, but not limited to, obtain and maintainan active record and a unique identifier within the Nationwide MortgageLicensing System and Registry (NMLSR), and continue to meet said record andassociated minimum register standards, including any applicable continuingeducation courses set forth by the SAFE Act.

    Responsible for originating mortgage loans sourced from Realtors, Builders, and other centers of influence by facilitating presentations, attending events, and cold calling.

    Must originate loans in accordance with FirstBank's lending policies, procedures, and guidelines.
    Responsible for entering all loan applicants into the Encompass application system and run DU and credit reports.
    Responsible for interviewing and guiding prospective customers, enabling customers to select the best FirstBank product for their needs.

    Must complete a full mortgage loan application, gather initial documentation, and set the expectations for customers, realtors and builders setting appropriate timeframes targets.


    Additional Responsibilities:


    Must submit completed applications in a timely manner to the Processors for disclosure within the three (3) days of application as required by Federal regulations.

    Must provide processors and underwriters with updates on any material changes that may take place during the loan process.
    Evaluate the documents provided by the customer and re-runs DU when appropriate.
    Monitor progress of approval through closing.

    Assist the support team with the gathering of any additional information required and all communication with the customer and referral source.

    Represent the Bank in meeting, Real Estate functions and the community.

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

    Required Education and Experience:


    At least 3-5 years of experience in a similar job is required or equivalent combination of education and experience sufficient to successfully perform the essential job functions of the job is required.

    Must have an active driver's license
    Attention to detail
    Good understanding of financial products, loan documentation, and business objectives of a real-estate lending department
    Successful completion of approved real-estate training program
    Strong knowledge of Microsoft Office
    Good communication skills

    Preferred Education and Experience:
    Bachelor's degree in Finance/Business Administration or relatedfield

    Other Duties Disclaimer:
    Pleasenote this position profile is not designed to cover or include a comprehensivelisting of activities, duties or responsibilities that are
    required of the employee for this job. Duties, responsibilities and activitiesmay change at any time with or without notice.

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