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Bank OZK · 1 day ago

Residential Mortgage Loan Originator

Tampa, FL

Full-time

Onsite

Entry, Mid Level

2+ years exp

Bank OZK is a nationally recognized industry leader in financial services with over 120 years of banking experience. The Residential Mortgage Loan Originator is responsible for facilitating the growth of lending operations by converting leads into mortgage loans, originating loans for employees, and building relationships with customers and industry professionals.

BankingFinanceFinancial Services

Responsibilities

Convert internal leads generated by the Bank into mortgage loans. This involves timely and professional communication with potential borrowers, assessing their needs, and guiding them through the loan process

Originating mortgage loans for our Bank’s employees

Cultivate and maintain strong relationships with past customers and their network of professionals

Create rapport and trust with customers and referring partners

Counsel with customers to identify mortgage loan needs and options

Assist in the processing and closing of the loan in a professional manner that is profitable to the bank and creates customer loyalty

Accurately complete and deliver initial disclosures

Take complete, accurate, and compliant loan applications

Order credit reports and resolve all discrepancies

Input loan information into computer systems

Utilize Automated Underwriting Systems for decisioning loans

Order appraisals

Cross-sell the customer on the use of other Bank products

Proactively communicate loan status and progress to the customer

Analyze property appraisals for Investor compliance

Travel on Bank business

Regularly exercise discretion and independent judgment in the performance of essential job functions

Maintains good punctuality and attendance to work

Follows Bank policy, procedures, and guidelines

Qualification

NMLS certificationMortgage loan originationLending criteria knowledgeEncompass experienceMicrosoft Office proficiencyCustomer service skillsEffective communicationCritical thinkingTeam collaboration

Required

Associate's degree or commensurate work experience and two years of residential mortgage or banking experience, OR high school diploma and three years of residential mortgage or banking experience

NMLS, or successful completion of NMLS process within 45 days of hire

Knowledge of lending criteria/business needs, lending systems, and regulatory/investor lending guidelines

Knowledge of loan origination needs and milestones (i.e., origination, processing, underwriting, closing, products, vendor interfaces)

Ability to communicate effectively, both verbally and in writing

Ability to work without close supervision

Ability to demonstrate effective critical thinking, analytical, and problem-solving skills

Ability to work effectively in a fast-paced environment with exacting deadlines

Ability to work effectively in a collaborative team environment

Ability to maintain strict confidentiality and bank secrecy

Ability to demonstrate effective customer service skills

Skill in using computer and Microsoft Office, including Outlook, Word, Excel, and PowerPoint