Mortgage Loan Officer Tulsa, Harvard

Mortgage Loan Officer (Full Time) - Tulsa, Harvard

Full Time Mortgage Originator Tulsa, OK, US

2 days ago Requisition

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  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.

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.

• 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.

• 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.

• 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…