At FEMBi, the Best Employees Deserve the Best Benefits

Insurance Coverage- For Life’s Events
We offer the following benefit coverage types:

• Medical
• Dental
• Vision
• Life Insurance
• Supplemental insurance options

Retirement- Your Future in Mind
Defined contribution retirement plans, including:

• Standard Pre-Tax 401(k)
• Roth 401(k)

All with a 25% employer match and 100% vesting opportunities!

Work-Life Balance
Our staff enjoys the ability to work from home and flexible scheduling!
Generous paid time off accrual and paid holidays
Friday reduced work hours

Insider Deals
Employee discount programs for financing your mortgage with FEMBi

Free Food!
Company-provided weekly breakfast and occasional lunch surprises.

Events- Celebrating Good times
Variety of events throughout the year to foster the corporate family culture including holiday parties, year-end festivities, corporate happy hours, life-event parties, and many more. Work hard- play hard!

Charitable Gift Matching
Giving is part of our DNA! FEMBi matches employee gifts up to $250 per year for non-profit organizations.

Sustainability- Go Green Initiatives!
Our paperless process allows for reduced clutter, safer protocols, and an ecologically reduced footprint. We also reduce use of consumable products with our own branded re-usable products.

Recognition Programs
We recognize the contributions of our employees through monthly, quarterly, and annual recognition programs.

FEMBi Mortgage is home to some of the most successful Loan Officers in our business. In most of the markets that we serve, many of the area’s top loan officers have made FEMBi their home. The reason is our dedication to excellent customer service and communication throughout the organization.

Corporate Accounts
FEMBi is contracted to provide mortgage services to over 100 locations of credit unions and community banks throughout Florida. These accounts are assigned to our retail loan originators to help them grow their business.

Mortgage Products
FEMBi is a FNMA approved seller/servicer, an approved FHA DE lender, and a VA automatic lender. Besides the standard conventional, FHA and VA loan products, we offer a wide array of non-conforming and specialty products that include:

• Very competitive JUMBO loans including a 2% closing cost credit on some programs.
• Our own foreign national product that we originate and service.
• Domestic portfolio loan options.
• Reverse mortgages including the reverse purchase program.
• FHA 203k Program
• USDA
• FNMA HomeReady & Homestyle
• FHMLC Home Possible
• No-income investor program
• Bank statement program (12 & 24)
• Loans for credit challenged borrowers (foreclosure, bankruptcy, low credit scores)
• In-house condo approval process

Compensation
Our Loan Officer Compensation plan is customized to each loan officer’s business model. You earn what you want, and what is supported by your target market and product mix. It’s one of the most aggressive plans approved by the CFPB.

Loan Processing Support
A loan officer’s success can be attributed both to their own talented professionalism, and the support team they have around them. At FEMBi:

• Our local processors are monitored by an assigned processing manager
• Our in-house processing automatically notifies you as the loan moves from one milestone to the next
• Our underwriting team provides consistent support on scenario and product questions

FEMBi understands that relationships you have with your clients and business partners are crucial to your success. That’s why it’s our goal to have each LO’s clients and referral sources remember you, and only you, when they consider doing any type of mortgage financing.

Technology
Work with state-of-the-art programs on the cloud. It’s with you everywhere you go!

• Encompass- The #1 Mortgage platform made exactly for mortgage processes
• Loan Beam- Automatically calculate self-employment income.
• SureFire– Keep your contacts organized and easily reach out to individuals throughout your pipeline. Surefire delivers informational videos to your clients at every stage of the process.
• Company Issued Laptop– So you never slow down, wherever you might be
• Personalized Web Page– Have your own page where customers can apply online and be notified in real time
• Electronic Application Packages– Feel more organized with less paperwork.
• Electronic closings – fast and easy for your clients.

Marketing Support
FEMBi ensures that our loan officers have access to the most innovative marketing tools in the industry. Each LO will have access to:

• SureFire- With an easy to maneuver interface, SureFire provides multiple tools for the LO to market to their database personally while saving time. This software allows you to easily manage relationships with your clients and prospects, and retain clients you’ve worked with in the past. Surefire delivers a 5 year, 84 touch post-closing campaign to every closed loan client, including 4 personalized mail pieces per year! With Surefire, every LO can create:

Customized email blasts | Specialized campaigns | Flyers and mailers | Presentation books | Personalized surveys | and much more…

• FEMBi Store- Our intranet-based company store provides an easy way for our loan officers to order FEMBi branded marketing materials like pens, cozies, mugs, banners and presentation folders that are shipped directly to you.
• Full-time marketing staff to assist you with your marketing efforts and social media.

 If you want to become part of one of the best mortgage operations teams in the business, FEMBi is where you want to be. Our team approach to the business creates an atmosphere that recognizes and rewards high achievers. If you are dedicated to communication and unparalleled customer service you may be a good fit for FEMBi.

You’ll experience what so many of our FEMBi Family members say:

• A family atmosphere like no other
• Guidance and support in abundance
• Plenty of good times
• Bonus component

Besides all of the support offered to our loan officers, FEMBi offers its Branch Managers the tools they need to meet their business plan objectives. We work closely with our managers to help shape policies and procedures that are utilized throughout the organization. It’s a team effort that pays dividends for the entire platform.

Some of the tools provided by FEMBi to our branch managers include:

• Robust reporting capabilities to monitor your pipeline and sales processes.
• Assistance in recruiting including corporate based recruiting team that provides you with prospects in your market.
• Unique local direct-to-consumer marketing leads sent directly to your Loan Officers.
• Full financial support for start-up and on-going branch expenses.
• Very aggressive branch manager compensation plan that rewards you for running your business platform.
• Full accounting, HR and payroll support – we take care of it all.
• Centralized loan set-up platform to handle all of the initial processing tasks before the loan is turned over to the branch for review and loan submission.

FEMBi values early talent. Semi-annually, FEMBi hires recent graduates from top local universities for our Mortgage Management Training Program where candidates work with an experienced trainer in each of the company’s core departments. FEMBi pays for all state and federal education requirements and fees in order for candidates to obtain licensure. After successful completion of the program, candidates will be evaluated and assigned to the department where they have demonstrated the most interest, strengths and competencies taking into consideration the company’s business needs.