Mortgage Loan Officer (Full Time) - Tulsa, Harvard

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. Mortgage Loan Officer (Full Time) – Tulsa, Harvard Full Time Mortgage Originator Tulsa, OK, US 3 days ago Requisition ID: 10500 *A pre‑employment credit check will be performed on all qualified applicants.* 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.

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, and provides applicants with a list of necessary documents to support the information in the application, sets realistic expectations about the mortgage loan process, and provides regular updates to applicants and other interested parties. The MLO discusses relevant mortgage facts and issues with applicants concerning ability to repay, bank credit policy, and documentation needed for underwriting. The MLO must be familiar with Bank credit policy and guidelines of the GSEs, FHA, and VA.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

The principal responsibility of the MLO is the origination of eligible mortgage loans, focusing on marketing activities necessary to generate mortgage loan referral activity 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. The above represents the minimum expectation. If provided a Prosperity Bank assignment, the MLO visits the Bank regularly to build internal relationships, educate Bank employees about introducing customers to the mortgage department, and look for opportunities to bring non‑bank mortgage customers to Prosperity Bank’s services with a warm handoff. Mortgage referrals received from the Bank should supplement self‑sourced business. Responsible for establishing and maintaining effective communication, coordination, and working relations with Bank personnel in mortgage fulfillment and with management. Represent Prosperity Bank with high professional conduct and ethical behavior, protecting customer personal information and acting in the best interest of the Bank. Meet with potential customers to understand their financial needs and present suitable mortgage products. Oversee the customer experience through the entire loan process, from origination and analysis to loan closing. Stay informed of and comply with lending standards, legal requirements, and all Bank policies, regulatory and legal requirements. The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.

SUPERVISORY RESPONSIBILITIES

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 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 OF THIS POSITION Talking: Frequently convey detailed or important instructions accurately, loudly, or quickly. Average Hearing: Hear average or normal conversations and receive ordinary information. Repetitive Motion: Movements frequently and regularly using wrists, hands, and/or fingers. Average Visual Abilities: Visual acuity necessary to prepare or inspect documents or products, or operate machinery. Driving and Mobility: Position is largely outside sales; hold valid driver license, maintain required automobile insurance, and comply with cell phone use standards. Physical Strength: Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Ability to withstand moderate physical activity throughout the workday (standing, walking, reaching, driving); sit for extended periods; lift or move up to 25 pounds on occasion; maintain attention and concentration for extended periods.

WORKING CONDITIONS

No hazardous or significantly unpleasant conditions (such as a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

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 various books, magazines, instruction manuals, atlases, encyclopedias; prepare memos, internal loan applications, reports, essays with proper punctuation, spelling, and grammar; communicate distinctly with appropriate pauses and emphasis, correct pronunciation, and variation in word order using present, perfect, future tenses. Hours: Monday - Friday 9:00 am to 5:00 pm #J-18808-Ljbffr Prosperity Bank