Mortgage Loan Officer - The Villages

Mortgage Loan Officer - The Villages

Job Category: Residential Lending Requisition Number: MORTG006203

Posted: May 26, 2026

Full-Time

The Villages, FL, USA +2 more locations

Description

*Citizens First Bank is a division of Seacoast Bank. This position is for Citizens First Bank branded locations and on-site only*

About the Organization:

Citizens First Bank, a cornerstone of The Villages community, was founded by the visionary founders of The Villages in 1991. "We are a bank created specifically to fill the needs of our community and to conscientiously and joyously serve our Villagers residents in every possible way." -Founder Harold Schwartz. Since that time, the vision of the Bank has expanded to build upon our purpose of serving the Villages in every way while sharing our exceptional service and lasting relationships with the people and businesses throughout Lake, Sumter, Marion and Citrus counties. Citizens First Bank: A Five Star Bank where hospitality meets finance.

About the Position:

Citizens First Bank is hiring a Mortgage Loan Officer for our Mortgage Production Department! As a Mortgage Loan Officer at Citizens First Bank, you will meet with customers to collect and assess information, providing guidance to those applying for mortgage loans by carrying out the key duties and responsibilities associated with this position.

Key Responsibilities of the Mortgage Loan Officer:

1. Collects and analyzes information from loan applicants regarding income, assets and debts, while determining which product best suits the customer's needs. Advises the customer of the advantages and disadvantages of the loan products selected based upon customer needs and analysis of their financial capacities.
2. Determines what program would best suit the applicant, after analytically determining that the applicant meets established standards for further consideration
3. Identifies and requests appropriate documentation such as income tax returns, bank and investments statements, purchase agreement, and income verification
4. Informs and educates applicant about specific closing costs such as appraisal, credit report, title policy and other settlement fees
5. Answers applicant's questions and obtains signature on application and disclosure forms
6. Submits completed application package and verifications to Mortgage Loan Processor for finalization and submission to underwriting
7. Calls, emails and/or responds to applicant or other persons to resolve discrepancies, such as differences in information provided and verifications received
8. Visits establishments such as sales offices and marketing representatives to maintain referral relationships and promote our mortgage services

Mortgage Loan Officer Requirements:

Minimum:

• Bachelor's degree in business, or finance or five years of Residential Mortgage Loan Officer experience with a clear understanding of Fannie Mae Guidelines and Desktop Underwriter.
• Must be accurate, thorough and be able to completely assess our customer's needs within the guidelines.
• Works well under pressure and is able to stay organized in a fast-paced environment.
• Must have successfully obtained Safe Act certification through N.M.L.S. system (Nationwide Mortgage Licensing System) and obtained a Mortgage Loan Originator license. Every twelve months an individual is required by state law to take eight hours of continuing education and renew their license through the NMLS system.
• Must have the ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals, write routine reports and correspondence and to speak effectively before groups of customers or employees of organization.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume required.

Mortgage Loan Officer Benefits:

Citizen's First Bank offers an exceptional benefits package for full-time employees including medical dental, vision, short and long-term disability insurance options, 401K, and generous vacation allowance. All employees enjoy an annual calendar recognizing ten federal holidays which may be paid, a high-end hospitality environment with a strong promote-from-within culture, and the satisfaction that comes from serving the community and relationship building.

Citizens First Bank is committed to provide equal employment opportunity to all persons regardless of race, color, national origin, religion, sex, sexual orientation, gender identity, age, genetic information, marital status, protected veteran status or disability. In addition to federal law requirements, Citizens First Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the Bank has facilities. Citizens First Bank is proud to be a drug, alcohol, and weapons free workplace.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.