Loan Officer

First Federal Bank - Yulee, FL

Full-time

Yulee, FL

Credit Intermediation and Related Activities

About the position

As a Loan Officer at First Federal Bank, you will play a crucial role in the mortgage lending process by interviewing residential mortgage loan applicants and guiding them through the application process. Your primary responsibilities will include requesting specific information necessary for loan applications, notifying applicants of loan decisions, and corresponding with customers, applicants, or creditors to resolve any questions regarding application information. You will also be responsible for recommending and outlining the terms of loans, informing prospective borrowers of loan commitments, and reviewing developing laws and regulations as they apply to installment loan security agreements. Additionally, you will assist the collection officer with delinquent account files for the financial institution, ensuring that quality loan growth is maintained. It is important to note that as a Mortgage Originator, you cannot directly or indirectly commit First Federal on any lending decisions. Your role will also involve providing the best service to our customers by offering innovative and creative solutions to meet their financial needs.

Responsibilities

• Interview residential mortgage loan applicants.
• Request specified information for loan application.
• Notify applicant of loan decision.
• Correspond with customers, applicants, or creditors to resolve questions regarding application information.
• Recommend and outline terms of loan.
• Inform prospective borrowers of loan commitments.
• Review developing laws and regulations as they apply to installment loan security agreements.
• Assist collection officer with delinquent account files for the financial institution.
• Responsible for quality loan growth.
• Provide the best service to customers with innovative and creative solutions.

Requirements

• High school diploma or equivalent required.
• BA/BS degree preferred, but not required.
• Good understanding and knowledge of financial institution and products and services.
• Good cross selling, organizational, and communication skills.
• Able to communicate effectively with builders and realtors.
• Ability to deal with time constraints and strong attention to detail.

Nice-to-haves

• Bilingual candidates encouraged to apply.