Jobs at Prosperity Bank (Now Hiring) — 281 open — Page 13

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 is to take loan applications, review the application and provide the applicant a list of documents necessary to support the information in the application, set realistic expectations about the mortgage loan process for the applicant(s) and provide regular updates to the applicant(s) and other interested parties. The MLO will discuss relevant mortgage related facts and issues with applicants concerning ability to repay, bank credit policy and documentation necessary to present to underwriting for credit decision. The MLO needs to be familiar with Bank credit policy and guidelines of the GSE’s, FHA and VA. 

 ESSENTIAL FUNCTIONS AND BASIC DUTIES

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.

Education/Certification: 

High school graduate or equivalent, advance 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.  

Able to use related computer applications and business machines.

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Talking:                                

Especially where one must 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 required using the wrists, hands, and/or fingers.

Average Visual Abilities: 

Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

driving and mobility:        

This position is largely an outside sales position. As such, you will be expected to hold a valid driver license in your State, maintain required automobile insurance and abide by the standards for cell phone use as described in the employee handbook. 

Physical Strength: 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions: 

Ability to withstand moderate physical activity throughout the workday (standing, walking, reaching, driving). 

Ability to sit for extended periods of time. 

Ability to lift or move up to 25 pounds on occasion. 

Ability to maintain attention and concentration for extended periods of time. 

WORKING CONDITIONS

None: 

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

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability: 

Ability to deal with a variety of variables under only limited standardization.

Able to interpret various instructions.

Mathematics Ability: 

Ability to compute interest, payments, profit and loss, financial ratios, percentage, cash flow, and debt service.  

Able to perform very simple algebra.

Language Ability: 

Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias.

Ability to prepare memos, internal loan applications, reports, and essays using proper punctuation, spelling, and grammar.

Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses.