Mortgage Loan Officer (Full Time) - San Pedro- San Antonio

Prosperity Bank; San Antonio (TX); On-site; USD 50,000 - 80,000; Full time

Job summary

An established industry player is seeking a Mortgage Loan Officer to join their dynamic team in San Antonio. This full-time position involves evaluating mortgage loan requests, ensuring compliance with lending policies, and maintaining professional relationships with clients. The ideal candidate will have 3-5 years of experience in consumer and mortgage lending, possess strong financial analysis skills, and excel in communication. This role offers a chance to make a significant impact in the lending process while working in a supportive environment that values professional growth and customer satisfaction.

Qualifications

• 3-5 years of consumer and mortgage lending experience required.
• NMLS certification and knowledge of lending policies essential.

Responsibilities

• Evaluate consumer mortgage loan requests and discuss repayment ability.
• Maintain effective communication with customers and trade professionals.

Skills

Financial Analysis

Communication Skills

Interviewing Skills

Public Relations

Education

High School Diploma

Advanced Degree

Tools

Microsoft Word

Microsoft Excel

Job description

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Mortgage Loan Officer (Full Time) - San Pedro- San Antonio

Full Time Mortgage Originator San Antonio, TX, US

Today

Requisition ID :

• A pre-employment credit check will be performed on all qualified applicants.
• How to apply: Please apply through Prosperity Bank's Career Center at [website link] to find more job opportunities with our company. Not applying through the Prosperity Bank Career Center website may delay the consideration of your application. These instructions do not apply to current Prosperity Bank employees.

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 repayment ability; explains bank credit policies; and obtains financial documentation to underwrite the loan request.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. 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 to elicit positive responses from customers.
• Analyzes and evaluates loan requests and prepares written submissions for consideration by approving authority. Identifies problems with credit information and coordinates with relevant parties to resolve issues.
• Completes lending functions in accordance with bank policies and legal requirements.

2. Establishes and maintains 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.

3. Maintains effective communication, coordination, and working relations with bank personnel and management.

• Assists Mortgage Processor personnel and provides support as needed.
• Keeps management informed of activities and significant issues.
• Completes required reports and records.

4. Performs related duties as required or assigned.

• Stays informed about changes in lending standards and legal requirements.
• Completes special projects as assigned.
• Ensures work area is clean, secure, and well maintained.

Education / Certification:

High school diploma required; advanced degree preferred.

Knowledge Required:

Knowledge of bank consumer mortgage lending policies and procedures. Understanding of financial analysis and creditworthiness assessment. NMLS certified.

Experience Required:

3 to 5 years of consumer and mortgage lending experience. Strong financial and credit analysis skills, excellent communication, and proficiency in Word and Excel.

Skills / Abilities:

Excellent communication and public relations skills. Financial analytical skills. Strong interviewing skills. Proficiency in related computer applications and business machines.

Hours: Monday - Friday, 8:00 am to 5:00 pm