Director, Mortgage Origination - Southern Regional Office (SRO)

Job Location: Florida [Work from home]

Department: MetLife Investment Management | Agricultural Finance

The Role : MetLife is one of the largest commercial mortgage lenders globally; it is also one of the largest agricultural mortgage lenders in North America. Our real estate and agricultural investments are an important part of MetLife's asset-liability matching and investment management program. MetLife's commercial agricultural portfolio currently consists of approximately $23 billion in assets under management with regional offices located in Fresno, CA, Overland Park, KS, Whippany, NJ and Germantown, TN. MetLife has been lending in agriculture for more than 100 years and had a record production year in 2019, originating approximately $4.28B globally and originated over $4.74B in 2020, despite the impact of COVID.

MetLife Agricultural Finance is seeking an exceptional and experienced Agricultural Real Estate Loan Officer to originate loans and service an existing loan portfolio in Florida. The Director, Mortgage Origination will report directly to the Regional Director based in Germantown, TN. This position is remote and part of a team responsible for the origination and servicing of agricultural real estate loans spanning a seventeen-state territory including the South, Southwest and Texas, South Atlantic, Gulf Coast and Florida.

Key Responsibilities:
  • Business development and loan originations in Florida; associate must develop and maintain incredibly loyal customer base.
  • Networking and marketing with all Centers of Influence including industry organizations, banks, brokers, etc.
  • Manage loan origination process, including credit underwriting and analysis, debt structuring, pricing strategy, transaction negotiation and closing, and collateral due diligence review.
  • Proactive asset management duties on existing loan portfolio, with support from Regional Office, including mortgage re-ratings, property site inspections, partial releases, collateral substitutions, and other servicing matters.
  • Fulfill the investment needs of investor client groups.
  • Senior member of SRO Team; providing leadership, coaching and mentoring to analysts and less tenured mortgage originators.

Key Relationships:
  • Reports to: Regional Director - Southern Regional Office
  • Key Stakeholders: Ag Strategies Unit, Operations, Finance, Compliance, Portfolio Management Unit, Risk, Research & Analytics, Investor Client Group, Legal, Regional Directors

Candidate Qualifications:

Essential Business Experience and Technical Skills:
  • 10+ years of experience with credit analysis and credit decision.
  • 10+ years relevant experience with a proven track record of underwriting successful agricultural debt deals.
  • Strong credit and analytical skills, superior knowledge of lending principles, credit procedures, collateral and credit.
  • Proficiency in Word and Excel-based applications.
  • Strong written and oral communication skills.
  • Strong relationship management skill set.
  • Strong financial, accounting and credit analysis skills.
  • Extensive Florida agricultural lending experience, ideally including experience in core regional crops (e.g., annual, perennial, and permanent crops, livestock).
  • Farm real estate valuation knowledge.
  • Bachelor's degree in Agriculture, Business Administration, Finance, Economics, or Banking as well as any other related field of expertise; MBA or master's degree a plus.
  • Ability to travel up to 80%

MetLife Success Principles
  • Experiment with Confidence - Courageously learn and test new ideas without fear of failure
  • Act with Urgency - Demonstrate speed to action with agility and determination
  • Seek Diverse Perspectives - Source ideas and feedback to expand thinking and make informed decisions
  • Seize Opportunity - Drive responsible growth and identify areas for continuous improvement
  • Champion Inclusion - Foster an environment where everyone is valued, heard, and can speak up
  • Create Alignment - Partner with others across the organization with candor and transparency
  • Take Responsibility - Be accountable and act in pursuit of the right outcomes
  • Enable Solutions - Anticipate and address obstacles while managing risk
  • Deliver What Matters - Execute meaningful priorities and follow through on commitments


MetLife, through its subsidiaries and affiliates, is one of the world's leading financial services companies, providing insurance, annuities, employee benefits and asset management to help its individual and institutional customers navigate their changing world. Founded in 1868, MetLife has operations in more than 40 countries and holds leading market positions in the United States, Japan, Latin America, Asia, Europe and the Middle East.

We are one of the largest institutional investors in the U.S. with $642.4 billion of total assets under management as of March 31, 2021. We are ranked #46 on the Fortune 500 list for 2021. In 2020, we were named to the Dow Jones Sustainability Index (DJSI) for the fifth year in a row. DJSI is a global index to track the leading sustainability-driven companies. We are proud to have been named to Fortune magazine's 2021 list of the "World's Most Admired Companies."

MetLife is committed to building a purpose-driven and inclusive culture that energizes our people. Our employees work every day to help build a more confident future for people around the world.

We want to make it simple for all interested and qualified candidates to apply for employment opportunities with MetLife. For further information about how to request a reasonable accommodation, please click on the Disability Accommodations link below.

MetLife is a proud Equal Employment Opportunity and Affirmative Action employer dedicated to attracting, retaining, and developing a diverse and inclusive workforce. All qualified applicants will receive consideration for employment at MetLife without regards to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, national origin, marital or domestic/civil partnership status, genetic information, citizenship status, uniformed service member or veteran status, or any other characteristic protected by law.

MetLife maintains a drug-free workplace.

Requisition #: 120173