Seacoast National Bank
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Mortgage Loan Officer - Oviedo
at Seacoast National Bank
Mortgage Loan Officers are primarily responsible for representing Seacoast Bank by marketing Seacoast residential products outside the Bank thereby developing referral relationships thru realtors, builders, site agents and other outside the Bank referral sources.
Essential Duties and Responsibilities
Mortgage Loan officers are primarily responsible to market Seacoast residential products outside the bank thereby developing referral relationships thru Realtors, builders, site agents and other outside the bank referral sources.
Mortgage loan officers proactively solicit business and conduct sales-related activities in Realtor/Builder offices, builder models, etc. Mortgage loan officers do not work regular bank “hours” but are rather expected to work irregular work weeks and be “on call” or reasonably available to their referral community during their industries work hours. This position requires after hours and regular weekend efforts.
Outside mortgage loan officers collect and provide mortgage related information to Realtors, counsels borrowers, takes applications, collect and review documentation, conduct preliminary underwriting reviews to assure qualification, and submits qualified loan applications to processing.
Secondarily, outside MLO’s may receive referrals from in bank resources. Once received, in bank referrals should be handled with the same exuberance as outside referrals but inside referrals should never constitute more than thirty five percent of a MLO’s annual closings in units. MLO’s are to notify their sales manager when branch referral volumes create conditions where closings exceed this threshold.
Mortgage loan officer activities include, but are not limited to attending closings, open houses, referral client lunches, local business association meetings, providing product training meetings and/or other outside business generating activities. These activities are considered necessary in order to produce, increase and sustain an acceptable level of production to be successful in the Mortgage Advisor role. As always, business development activities must at all times be RESPA compliant and otherwise consistent with regulatory, bank policy and Seacoast determined best practices.
Responsible for keeping the assigned sales manager informed of marketing and sales activities at all times. Using the Bank’s online time and attendance tracking program to document and report vacation and sick time. Maintains outlook calendar for external work office activities.
Education and/or Experience
Preferable two to four years of college with AA or business degree. One to two years experience with origination, mortgage processing, underwriting or closing. At least one year experience actually originating.