To locate prospective customers with a need to obtain a mortgage loan secured by residential real estate.
Essential Job Functions:
Prospect for mortgage loan customers
Develop relationships with professional Realtors, Home Builders, and internal bank partners
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
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
Exercise discretion and independent judgment
Drive an automobile
Maintain good punctuality and attendance to work
Marginal Job Duties:
Analyze property appraisals for Investor compliance
Knowledge, Skills & Abilities:
Ability to work without close supervision
Ability to meet strangers and create trust and rapport
Excellent computer skills for preparation of application packages
Knowledge of loan requirements for FHA, VA, and conventional loans
Knowledge of interest rates, points, and fees for mortgage loans
Knowledge of the basic elements required for closing a mortgage loan
Knowledge of the real estate appraisals
Ability to read and analyze credit reports
Knowledge of basic Income Tax Forms and ability to analyze data
Ability to develop a personal marketing plan, including ability to self-start
Ability to drive an automobile
Equipment Used in Job Performance/Working Environment:
Personal Computer
10-key Calculator
Telephone
Basic office equipment, including facsimile machine and copier
Automobile
Major Job Demands (Physical/Mental):
Needs identification and problem solving
Calling on prospective customers outside the office, which could involve extensive driving
Analysis of detailed financial information
Note: This description is not an exhaustive list of all job functions, duties, skills and job standards required. Other job functions, duties, skills, and standards
Position Requirements
High School diploma or equivalent.
At least one year previous experience in mortgage department
At least one year of experience with sales
Valid driver’s license and good driving record
Bank of the Ozarks - 30+ days ago
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