Mortgage Loan Officer - Florida

Overview Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career — a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. Job Description: At Regions, the Community Mortgage Loan Officer establishes relationships with nonprofit housing groups, state and local housing offices, and community-based affordable housing organizations to generate and increase mortgage lending opportunities - particularly opportunities that support Regions’ efforts to meet its goals relating to the Community Reinvestment Act (CRA) and underserved consumers. This role will focus on originating residential mortgage loans to consumers with low-to-moderate income (as identified by the Department of Housing and Urban Development) and/or secured by property located in low-to-moderate income census tracts. This will include outside sales efforts and use of Regions’ network of branches. Responsibilities include qualifying customers, submitting applications, and facilitating essential communication between parties throughout the process. Primary Responsibilities Increases mortgage loan volume, primarily focusing on underserved communities and low-to-moderate income consumers and geographies, through effective selling Promotes the Bank’s CRA efforts and generates residential mortgages in targeted areas Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas Partners with state, local and county down-payment-assistance programs Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations Advises customers on the mortgage loans that are appropriate for their individual financial circumstances Develops leadership abilities in the community when it comes to mortgages and mortgage knowledge Builds and deepens relationships with industry-specific centers of influence, such as real estate agents and contractors Maximizes the bank’s resources to assist in selling and establishing relationships Cross-sells bank products at each mortgage closing Structures loan to comply with acceptable lending practices and Federal regulations Complies with all appropriate bank policies and regulatory guidelines This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act. This position is incentive eligible. This position requires registration with the Nationwide Mortgage Licensing System and Registry (NMLS). Please refer to for more information. Requirements High School Diploma or GED One (1) year of mortgage lending experience with proven mortgage production Preferences Bachelor's degree Prior mortgage experience in developing external business relationships Skills and Competencies Good organizational skills Knowledgeable of Mortgage products, systems, terminology, tax requirements, down payment assistance programs, etc. Knowledgeable on agency and investor regulations and guidelines Must be able to build and maintain internal and external relationships to deliver high levels of service Must be able to multi-task competing priorities and meet tight deadlines Proficient in Microsoft Office products Sales acumen Strong written and verbal communication skills Positions may be available in other cities within Florida. Strong preference for MLOs with recent proven production 10M or greater annually. Position Type Full time Compensation Details Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. Job Range Target: Minimum: $46,000.50 USD Median: $55,920.00 USD Incentive Pay Plans: This role is eligible to participate in a commission incentive plan. Employees have the potential to earn commission based on performance against defined metrics and goals. Benefits Information Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. ( Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. Paid Vacation/Sick Time 401K with Company Match Medical, Dental and Vision Benefits Disability Benefits Health Savings Account Flexible Spending Account Life Insurance Parental Leave Employee Assistance Program Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions’ benefits, please click or copy the link below to your browser. Location Details Downtown Tampa Location: Tampa, Florida Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company. #J-18808-Ljbffr