Seacoast Bank - Tampa, FL
posted 5 months ago
The Mortgage Loan Officer is primarily responsible for marketing Seacoast Bank's residential products outside the Bank, thereby developing referral relationships through realtors, builders, site agents, and other outside referral sources. This role is crucial in building relationships with internal line of business partners to deepen existing Seacoast Bank relationships. The Mortgage Loan Officer is expected to lead business development in both Residential lending and acquiring new deposits while also developing a market leadership presence in the local community. The position requires the officer to consistently gain the confidence and trust of others through honesty, integrity, and authenticity. In the first 90 days, the Mortgage Loan Officer must successfully collaborate with Loan Processing, Underwriting, Closing, and Secondary Market lines of business to understand the process thoroughly. Consistent communication with leadership and a peer mentor is essential to ensure understanding and expectations of the MLO role. The officer will proactively solicit business and conduct sales-related activities in Realtor/Builder offices, builder models, and other suitable locations. Meeting customers face-to-face during the application process is vital, as is expediting the process by meeting at the customer's office or other suitable locations. The officer will collect and provide mortgage-related information to realtors, counsel borrowers, take applications, and collect/review documentation. They will review documents to assure qualification and submit qualified loan applications to processing. Building relationships with internal partners across lines of business is necessary to deepen existing Seacoast Bank relationships. The officer must treat internal bank referrals with the same enthusiasm as outside referrals. Attendance at closings, open houses, referral client lunches, local business association meetings, and other business-generating activities is essential to produce, increase, and sustain an acceptable level of production to be successful in the MLO role. All business development activities must comply with RESPA and be consistent with regulatory, bank policy, and Seacoast determined best practices. The officer is responsible for maintaining calling reports and prospective loan sales pipeline reports, accepting loan applications, and ensuring adherence to BSA/AML requirements of the Customer Identification Program. Ethical sales behaviors in accordance with the Associate Code of Conduct and Sales Practices Policy are expected, acting in the best interest of the applicant and their credit needs. Proactively helping to resolve customer concerns in a timely, professional, and positive manner is also a key responsibility, with escalation of issues to the next level of authority as needed. The officer must adhere to Seacoast Bank's Code of Conduct.