Mortgage Loan Officer (Full Time) - Houston, River Oaks

Prosperity Bank; Houston (TX); On-site; USD 20,000 - 100,000; Full time

Job summary

A leading bank is seeking a Mortgage Loan Officer in Houston, River Oaks, responsible for managing the mortgage loan process from application to underwriting. The ideal candidate will have strong communication skills, a background in financial analysis, and be NMLS certified. You will engage directly with clients to facilitate loan approvals while maintaining high standards of customer service.

Qualifications

• Knowledge of Bank consumer mortgage lending policies and procedures.
• Understanding of financial analysis and determination of credit worthiness.
• NMLS certified.

Responsibilities

• Interviews, takes applications, and processes preliminary documentation on loan requests.
• Analyzes and evaluates loan requests and prepares written submission for consideration.
• Maintains and projects the Bank's professional reputation.

Skills

Excellent communication

Financial analytical skills

Solid interviewing skills

Education

High school graduate, advance degree preferred

Job description

Mortgage Loan Officer (Full Time) - Houston, River Oaks

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Mortgage Loan Officer (Full Time) - Houston, River Oaks

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• A pre-employment credit check will be performed on all qualified applicants.*
  
  

• A pre-employment credit check will be performed on all qualified applicants.*
  
  

External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers . Applying through any other source may prevent Prosperity from receiving your application.

Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.

The Mortgage Loan Officer will be responsible for receiving, reviewing, and evaluating consumer mortgage loan requests following a Fair Lending process. Discusses mortgage related facts with applicants concerning the ability to repay; explains bank credit policies; and to obtain financial documentation to underwrite the loan request.

Essential Functions And Basic Duties

• Assumes responsibility for the effective and professional completion of assigned loan functions.
• Interviews, takes applications, and processes preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.
• Analyzes and evaluates loan requests and prepares written submission for consideration by approving authority. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems.
• Completes lending functions in accordance with established Bank policies and legal requirements.
• Assumes responsibility for establishing and maintaining effective and professional business relations with customers and trade professionals.
• Answers questions and resolves requests.
• Meets with applicants whose loans are denied and explains reasons and alternatives.
• Maintains and projects the Bank's professional reputation.
• Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Bank personnel and with management.
• Assists Mortgage Processor personnel and provides support as needed.
• Keeps management informed of area activities and of any significant problems.
• Completes required reports and records.
• Assumes responsibility for related duties as required or assigned.
• Stays informed regarding changes in lending standards and related legal requirements.
• Completes special projects as assigned.
• Ensures that work area is clean, secure, and well maintained.
  
  

Education/Certification

High school graduate, advance degree is preferred

Knowledge Required

Knowledge of Bank consumer mortgage lending policies, and procedures. Understanding of financial analysis and determination of credit worthiness. NMLS certified.

Experience Required

3 to 5 years of consumer and consumer mortgage lending experience.

The Mortgage Loan Officer will be primarily responsible for generating and underwriting new loans for consumer mortgage loans. This position will close approved loans for the portfolio only or will close secondary market and portfolio loans. Assist in the marketing activities for the Bank through involvement in the community. The successful candidate will have an advanced knowledge and understanding of consumer and mortgage lending practices with three to five years of experience. A strong background in financial and credit analysis is desirable including excellent communication and PC skills in Word and Excel.

Skills/Abilities

Excellent communication and public relations skills. Financial analytical skills. Solid interviewing skills. Able to use related computer applications and business machines.

Hours: Monday - Friday 9:00 am to 5:00 pm

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

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