Prosperity Bank
Mortgage Loan Officer (Full Time) - San Antonio, San Pedro
Prosperity Bank, San Antonio, Texas, United States, 78208
Mortgage Loan Officer (Full Time) – San Antonio, San Pedro
Prosperity Bank is seeking a full‑time Mortgage Loan Officer to receive, review, and evaluate consumer mortgage loan requests following a Fair Lending process. The successful candidate will generate and underwrite new consumer mortgage loans, close approved loans for the portfolio, contribute to secondary market activities, and assist in community marketing.
Essential Functions and Responsibilities
Assume responsibility for the professional completion of assigned loan functions: interview applicants, take applications, process preliminary documentation, discuss loan alternatives, credit criteria, interest rates, and loan documentation to elicit positive responses.
Analyze and evaluate loan requests and prepare written submissions for approval, identifying problems or potential problems with credit information and coordinating with necessary parties to resolve issues.
Complete lending functions in accordance with bank policies and legal requirements.
Establish and maintain effective, professional business relations with customers and trade professionals: answer questions, resolve requests, meet with denied applicants to explain reasons and alternatives, and maintain the bank’s professional reputation.
Maintain effective communication with bank personnel and management: assist mortgage processor personnel, keep management informed of activity, complete required reports and records.
Perform related duties as required: stay informed of changes in lending standards and legal requirements, complete special projects, ensure a clean, secure, and well‑maintained work area.
Education / Certification High school graduate; an advanced degree is preferred. NMLS certified.
Knowledge, Skills, and Experience
Knowledge of bank consumer mortgage lending policies and procedures, financial analysis, and creditworthiness determination.
3 to 5 years of consumer mortgage lending experience.
Excellent communication and public relations skills; strong financial analytical and interviewing skills; ability to use computer applications (Word, Excel) and business machines.
Advanced knowledge of consumer and mortgage lending practices with a strong background in financial and credit analysis.
Hours Monday – Friday, 9:00 am to 5:00 pm
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Essential Functions and Responsibilities
Assume responsibility for the professional completion of assigned loan functions: interview applicants, take applications, process preliminary documentation, discuss loan alternatives, credit criteria, interest rates, and loan documentation to elicit positive responses.
Analyze and evaluate loan requests and prepare written submissions for approval, identifying problems or potential problems with credit information and coordinating with necessary parties to resolve issues.
Complete lending functions in accordance with bank policies and legal requirements.
Establish and maintain effective, professional business relations with customers and trade professionals: answer questions, resolve requests, meet with denied applicants to explain reasons and alternatives, and maintain the bank’s professional reputation.
Maintain effective communication with bank personnel and management: assist mortgage processor personnel, keep management informed of activity, complete required reports and records.
Perform related duties as required: stay informed of changes in lending standards and legal requirements, complete special projects, ensure a clean, secure, and well‑maintained work area.
Education / Certification High school graduate; an advanced degree is preferred. NMLS certified.
Knowledge, Skills, and Experience
Knowledge of bank consumer mortgage lending policies and procedures, financial analysis, and creditworthiness determination.
3 to 5 years of consumer mortgage lending experience.
Excellent communication and public relations skills; strong financial analytical and interviewing skills; ability to use computer applications (Word, Excel) and business machines.
Advanced knowledge of consumer and mortgage lending practices with a strong background in financial and credit analysis.
Hours Monday – Friday, 9:00 am to 5:00 pm
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