Mortgage Loan Officer (Full Time) - Tulsa, Harvard

Prosperity Bank and Trust Co; Tulsa (OK); Vor Ort; USD 60.000 - 90.000; Vollzeit

Zusammenfassung

Prosperity Bank and Trust Co is hiring a full-time Mortgage Loan Officer in Tulsa, OK. The successful candidate will source new mortgage business, oversee loan processes, and serve customer needs while adhering to banking standards. Minimum qualifications include a high school diploma and 3-5 years of mortgage banking experience. The role involves regular interactions with the bank’s personnel and external stakeholders. Competitive compensation based on performance and benefits will be offered.

Qualifikationen

• Knowledge of Bank consumer mortgage lending policies and guidelines.
• Understanding of financial analysis and determination of credit worthiness.
• NMLS certified.
• 3 to 5 years of prior mortgage banking experience.

Aufgaben

• Source new mortgage loan business from leads.
• Originate eligible mortgage loans and focus on marketing activities.
• Meet potential customers to understand their financial needs.
• Oversee the loan process from origination to closing.

Kenntnisse

Excellent communication skills

Financial analytical skills

Solid interviewing skills

Ability to use related computer applications

Ausbildung

High school graduate or equivalent; advanced degree preferred

Jobbeschreibung

Mortgage Loan Officer (Full Time) - Tulsa, Harvard

Full Time Mortgage Originator Tulsa, OK, US

2 days ago Requisition ID: 10500

For applicants with a disability, please contact this employer to request an accommodation or an alternative application process.

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.

Prosperity Bank is an Equal Opportunity Employer.

Position Purpose

The responsibility of the Mortgage Loan Officer (MLO) is to source new mortgage loan business from leads generated inside and outside of the Bank. The MLO takes loan applications, reviews them, provides applicants with a list of necessary documents, sets realistic expectations, and provides regular updates to applicants and other stakeholders. The MLO discusses mortgage related facts with applicants, including ability to repay, bank credit policy, and documentation needed for underwriting. The MLO must be familiar with Bank credit policy and guidelines of the GSE’s, FHA and VA.

Essential Functions and Basic Duties

• The principal responsibility of the MLO is the origination of eligible mortgage loans and focusing on marketing activities to generate mortgage loan referrals from Prosperity Banking Centers, realtors, home builders, financial planners, networking groups, trade associations, and personal sphere of influence.
• MLOs have a minimum production expectation:
  • Monthly: 5 units or $1.0 Million in eligible loan volume
  • 90‑day rolling average: 15 units or $3.0 Million in eligible loan volume
• If the MLO is assigned a Prosperity Bank, the MLO is to visit the Bank regularly to build internal relationships, educate Bank employees on ways to introduce Bank customers to the mortgage department, and seek opportunities to introduce non‑bank mortgage customers to Prosperity Bank’s services with a warm handoff.
• Responsible for establishing and maintaining effective communication, coordination, and working relationships with Bank personnel in the mortgage fulfillment area and with management.
• Present yourself in a professional manner, representing Prosperity Bank with the highest level of professionalism and ethical behavior, safeguarding customer personal information and acting in the best interest of the Bank.
• Meet with potential customers to understand their financial needs and present the best mortgage products to suit those needs.
• Oversee the customer experience through the entire loan process, from origination and analysis to loan closing.
• Stay informed of and abide by lending standards and related legal requirements, and always strictly adhere to all Bank policies, regulatory and legal requirements.

This statement describes the general nature of the work only. It is not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added or the job description amended at any time.

This role has no supervisory duties.

Qualifications

• Education/Certification: High school graduate or equivalent; advanced degree preferred.
• Required Knowledge: Knowledge of Bank consumer mortgage lending policies, procedures, and guidelines; understanding of financial analysis and determination of credit worthiness; NMLS certified.
• Experience Required: 3 to 5 years of prior mortgage banking experience, including a working knowledge of FNMA/FHLMC, FHA, VA.
• Skills/Abilities: Excellent communication and public relations skills; financial analytical skills; solid interviewing skills; ability to use related computer applications and business machines.

Physical Activities and Requirements

• Talking: frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
• Average Hearing: able to hear average or normal conversations and receive ordinary information.
• Repetitive Motion: movements frequently and regularly using wrists, hands, and/or fingers.
• Average Visual Abilities: ordinary visual acuity necessary to prepare or inspect documents or operate machinery.
• Driving and Mobility: expected to hold a valid driver license, maintain required automobile insurance, and abide by cell phone use standards.
• Physical Strength: ability to withstand moderate physical activity, stand, walk, reach, drive, sit for extended periods, lift or move up to 25 pounds, maintain attention and concentration.

Working Conditions

No hazardous or significantly unpleasant conditions (typical office environment).

Mental Activities and Requirements

• Reasoning Ability: deal with a variety of variables under limited standardization; interpret various instructions.
• Mathematics Ability: compute interest, payments, profit and loss, financial ratios, percentages, cash flow, debt service; perform simple algebra.
• Language Ability: read a variety of materials, prepare memos, internal loan applications, reports, essays with proper punctuation, spelling, and grammar; communicate distinctly with appropriate pauses, emphasis, correct pronunciation.

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