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Prosperity Bank · 2 months ago

Mortgage Loan Officer (Full Time) - Houston

Houston, TX, US

Full-time

Onsite

Mid Level

3+ years exp

Prosperity Bank is a financial institution seeking a Mortgage Loan Officer to manage consumer mortgage loan requests. The role involves evaluating loan applications, maintaining customer relations, and ensuring compliance with bank policies and legal requirements.

BankingFinancial Services

Responsibilities

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 in such a manner as to elicit positive responses from customers

Analyzes and evaluates loan requests and prepares written submission for consideration by approving authority. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems

Completes lending functions in accordance with established Bank policies and legal requirements

Assumes responsibility for establishing and maintaining 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

Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Bank personnel and with management

Assists Mortgage Processor personnel and provides support as needed

Keeps management informed of area activities and of any significant problems

Completes required reports and records

Assumes responsibility for related duties as required or assigned

Stays informed regarding changes in lending standards and related legal requirements

Completes special projects as assigned

Ensures that work area is clean, secure, and well maintained

Qualification

Mortgage lending policiesFinancial analysisNMLS certifiedConsumer lending experiencePublic relations skillsInterviewing skillsComputer applicationsCommunication skills