Mortgage Loan Officer San Antonio, San Pedro

Mortgage Loan Officer (Full Time) - San Antonio, San Pedro

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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.

Responsible for receiving, reviewing, and evaluating consumer mortgage loan requests following a Fair Lending process. Discusses mortgage related facts with applicants concerning the ability to repay; explains bank credit policies; and to obtain financial documentation to underwrite the loan request.

• 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.

• Establishes and maintains 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.
• Establishes and maintains effective communication, coordination, and working relations with Bank personnel and management.
• Assists Mortgage Processor personnel and provides support as needed.
• Keeps management informed of area activities and 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 the work area is clean, secure, and well maintained.

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, advanced degree

Required Knowledge: Knowledge of bank consumer mortgage lending policies and procedures. Understanding of financial analysis and determination of creditworthiness. NMLS certified.

Experience Required: 3 to 5 years of consumer and consumer mortgage lending experience.

Skills/Abilities: Excellent communication and public relations skills. Financial analytical skills. Solid interviewing skills. Able to use related computer applications and business machines.

Hours: Monday - Friday 9:00 am to 5:00 pm

• Mid-Senior level

• Full-time

• Finance and Sales

• Banking

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