Mortgage Loan Originator - Southlake
Bank of the Ozarks - Southlake, TX

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Job Purpose and Scope:

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

  • About this company
    46 reviews
    Bank of the Ozarks, Inc. is a bank holding company. The Company wholly owns a state chartered subsidiary bank, Bank of the Ozarks (the...