First Bank
REAL ESTATE RESIDENTIAL LOAN OFFICER - BROWARD - BOCA - WPB
First Bank, Miami, Florida, us, 33222
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.
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 and associated 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 facilitatingpresentations, attending events, and cold calling. Must originate loans in accordance with FirstBank’slending policies, procedures, and guidelines.
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.
Responsible for entering all loan applicants into theEncompass application system and run DU and credit reports.
Responsible for interviewing and guiding prospectivecustomers, enabling customers to select the best FirstBank product fortheir needs.
Must complete a full mortgage loan application, gatherinitial documentation, and set the expectations for customers, realtors and builders setting appropriate timeframes targets.
Additional Responsibilities
Must submit completed applications in a timely mannertothe Processors for disclosure within the three (3) days of applicationas required by Federal regulations.
Must provide processors and underwriters with updateson any material changes that may take place during the loan process.
Evaluate the documents provided by the customer andre-runs DU when appropriate.
Monitor progress of approval through closing.
Assist the support team with the gathering of anyadditional information required and all communication with the customerand referralsource.
Represent the Bank in meeting, Real Estate functions and thecommunity.
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 isrequired or equivalent combination of education and experience sufficientto successfully perform the essential job functions of the job isrequired. Must have an active driver’s license
Attention to detail
Good understanding of financial products, loandocumentation, and business objectives of a real-estate lending department
Successful completion of approved real-estate trainingprogram
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.
EQUAL OPPORTUNITY EMPLOYER #J-18808-Ljbffr
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 and associated 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 facilitatingpresentations, attending events, and cold calling. Must originate loans in accordance with FirstBank’slending policies, procedures, and guidelines.
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.
Responsible for entering all loan applicants into theEncompass application system and run DU and credit reports.
Responsible for interviewing and guiding prospectivecustomers, enabling customers to select the best FirstBank product fortheir needs.
Must complete a full mortgage loan application, gatherinitial documentation, and set the expectations for customers, realtors and builders setting appropriate timeframes targets.
Additional Responsibilities
Must submit completed applications in a timely mannertothe Processors for disclosure within the three (3) days of applicationas required by Federal regulations.
Must provide processors and underwriters with updateson any material changes that may take place during the loan process.
Evaluate the documents provided by the customer andre-runs DU when appropriate.
Monitor progress of approval through closing.
Assist the support team with the gathering of anyadditional information required and all communication with the customerand referralsource.
Represent the Bank in meeting, Real Estate functions and thecommunity.
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 isrequired or equivalent combination of education and experience sufficientto successfully perform the essential job functions of the job isrequired. Must have an active driver’s license
Attention to detail
Good understanding of financial products, loandocumentation, and business objectives of a real-estate lending department
Successful completion of approved real-estate trainingprogram
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.
EQUAL OPPORTUNITY EMPLOYER #J-18808-Ljbffr