Mortgage Loan Officer

Come join our GTE Financial team! 

We are looking for an exceptional listener and a genuine relationship builder to join as a Mortgage Loan Executive. You take pleasure in interacting with people and assisting them, while building lasting relationships and love helping individuals with home ownership dreams come true! 

Mortgage Loan Executive will be managing the day-to-day sales and support with applications coming from our community financial centers, web, external referral sources and in-bound phone inquiries. The Loan Executive will ensure that member loan requests meet the members’ needs, review credit, review automated underwriting decisions, make, and follow up on initial document requests from the borrowers and prepare loans for underwriting review.

Base Salary. Uncapped Commission. No Ceiling on Your Success!

What does GTE look for in a Loan Executive?

Sales:

• Meeting with and counseling members on new mortgage loan options as determined by the current product guidelines.
• Engage with Community Financial Center teammates to develop quality referral strategies through product training and sales technique.
• Engagement with community organizations to develop a circle of influence for referrals. Including but not limited to participation in realtor events and activities, lead groups and local chamber membership.
• Proactively solicit new residential mortgage business and represent GTE in the market.
• Develop and maintain referral contacts and professional relationships with realtors, builders, etc.

Lending:

• Analyze all loan file documentation to begin prequalification process, moving into full loan application entered Loan Operating System (LOS).
• Working knowledge secondary market, FHA, VA and CU Portfolio loans and the documentation that goes with those loan products.
• Working knowledge of GTE’s full suite of lending products but also any other product offered to our members (i.e.: Checking, Commercial, Investments & Insurance Services).
• Communicate lending decisions with regards to denials or counter-offers upfront.
• Retain and enhance mortgage acumen and maintain knowledge of mortgage products/services offered by the credit union. 
• Reinforce the selling points of our loan types, rates, payments, and terms of mortgage products.

Experience:

• Strategic in maintaining defined service level expectations.
• Good interpersonal skills to work effectively with management and staff.
• Engaged in campus activities and community involvement.
• Desire to provide exceptional member experience and provide needs-based selling.

Operations:

• Qualify for NMLS registration according to the Safe Act.
• Ensure compliance with all Federal regulations and disclose correct information to members as required by law.
• All work responsibilities are subject to performance goals and/or targets established as part of the annual performance planning process or as the result of organizational goal/production planning. 
• Engage in weekly or bi-weekly team meetings, conference calls, and events as assigned.
• You must demonstrate a functional knowledge of the necessary federal laws and regulations.
• Good interpersonal skills to work effectively with management and staff
• Engaged in campus activities and community involvement
• Ability to handle multiple job responsibilities and tasks to accomplish goals and objectives
• Implement actions plans to focus on areas of opportunity with all lending products.
• Must demonstrate a functional knowledge of the Bank Secrecy Act in addition to other Federal laws, including but not limited to: U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act
• Bilingual preferred (English/Spanish).

Required Qualifications: 

• High school diploma or equivalent.  Some college preferred.
• Min 1 -3 years’ experience or combination of education and experience.
• Knowledge of secondary market is preferred.

Position Details:

• Location:  Jacksonville
• Department Hours:  Monday– Friday (8:00 am to 6:00 pm) // Saturday (9:00 am to 1:00 pm)
• Loan Executives are not an isolated position, and they are “on-call” to come to HQ, CFC, or community event, as expected, as necessary, at any time. 
• Remote Florida - Must live within a commutable distance of Jacksonville Downtown GTE branch footprint.

Full-time hours required, with additional hours as necessary to accomplish objectives, goals, and projects.

The position is defined as remote in nature and may be changed at any time by management with appropriate notice, if possible.

Required for Remote:

• A quiet workplace so you can focus on delivering excellent service to our members.
• Some positions will require performance standards to be met to qualify for alternative work arrangements.
• Required to have power and high-speed internet over 100MB (minimum).
• Video capability (connection of 1.5 Mbps up and down recommended).
• Candidates must provide and meet all technical requirements prior to the first day of training.
• Candidates must live within driving distance of the office location and be able to regularly commute to and from the office location as needed.

Come and join our award-winning team!

GTE Financial is an Equal Opportunity Employer.

Note: The above statements describe the general nature and level of the work being performed and are not an exhaustive list of all responsibilities of an employee in this job. GTE Reserves the right to revise or change job duties at any time as directed by management. Furthermore, they do not establish a contract for employment and are subject to change at the discretion of the employer.