Mortgage Lender - Consumer Direct

Job Description

Job Description

At First Federal Bank, headquartered in Florida, core values speak to the heart of an organization and are the essence of a company’s identity. Everything we do is centered around our community , customer service , our stability , and being trustworthy . These values support our mission and vision, shape our culture, and provide a foundation for the future.

Offering a dynamic benefit package that includes but is not limited to:

• Four Medical Plan Offerings to choose from
• Employer HSA Contributions (Coverage/Plan exclusions)
• Employer Provided Life Insurance Policy
• Annual Health Incentive
• Annual Wellness Reimbursement
• Tuition Reimbursement program
• Generous Match 401k Retirement Plan
• Paid Sick Leave
• Paid Vacation Leave
• 11 Paid Holidays Based on the Federal Reserve Calendar

If you are ready to take on a challenging and rewarding role; we invite you to apply for this exciting opportunity.

Essential Functions
- Receives loan leads or application files and updates LOS to ensure accuracy of reporting.
- Uses a lead generating / tracking software to manage lead pipeline.
- Contacts lead and applications immediately upon receiving and continues to stay in contact and help borrowers thru their home shopping journey.
- Keeps lead status & contact history accurate and up to date at all times within lead tracking software.
- Negotiates terms of loan and explains all available loan programs and rates to borrowers in accordance to applicable laws.
- Accurately and completely prepares information necessary for disclosures required for delivery to the borrower as required by law.
- Submit thorough and viable loan files to processing by reviewing borrower documentation prior to loan submission ensuring all required information is obtained.
- When additional information is needed from the borrower or Realtor, the Mortgage Lender is to be proactive in contacting the necessary parties to obtain information to ensure commitment and closing dates are met or to direct their processor.
- Maintain regular and concise communication with borrowers and referral sources during the loan process.
- Independently develop loan referral relationships and consistently market to referral sources.
- Maintain thorough and current knowledge of loan program guidelines as communicated by management.
- Ensure assigned monthly Policy and Procedure review and compliance testing is completed.
- Knows and properly identifies customers/clients including co-workers, subordinates, superiors, and/or outside contacts.
- Communicates effectively; shares information appropriately, timely with tact and diplomacy.
- Sets and carries out priorities exhibiting proper time management; completes assigned work efficiently in established time frame.
- Exhibits logical and creative problem solving skills, makes sound and intelligent decisions and appropriate choices; considers current workload.
- Provides the best service to our customers with innovative and creative solutions.

Minimum Qualifications
- Twelve months mortgage lending experience.
- Excellent verbal and written communication skills.
- Excellent interpersonal and customer service skills.
- Excellent relationship management and sales skills.
- Excellent organizational skills and attention to detail.
- Excellent time management skills with a proven ability to meet deadlines.
- Strong analytical and problem-solving skills.
- Strong strategic thinking skills.
- Considerable knowledge and understanding of credit and risk management, and pricing philosophy.
- Ability to make decisions that affect other people, the financial resources, and/or the image and reputation of the bank.
- High School Diploma required.
- Must be available and able to work during regular Office Hours in the posting Branch's location / office / building.
- Local travel is required.
- Requirements include being able to sit and work for extended periods of time on a computer.
- Must possess the ability, with or without reasonable accommodation, to initiate or respond, orally or in writing, to requests for information received verbally or in writing from internal or external sources.
- Must possess the ability, with or without reasonable accommodation, to input and retrieve information by using the keyboard and number pad of a personal computer.
- Mortgage Lenders are required to have a confirmed NMLS# with First Federal Bank before originating residential mortgage loans and maintain their NMLS# in an active status for the duration of employment.

Bilingual candidates encouraged to apply.

EQUAL OPPORTUNITY EMPLOYER / VET / DISABILITY

E - Verify Employer