Mortgage Loan Officer (Full Time) - Fort Worth

Pre‑employment credit check will be performed on all qualified applicants.

Position Purpose

The Mortgage Loan Officer (MLO) is responsible for sourcing new mortgage loan business from both internal and external leads. The MLO takes loan applications, reviews them, provides applicants with required documentation lists, sets realistic expectations about the mortgage process, and delivers regular updates to applicants and other interested parties. The MLO discusses mortgage‑related facts and issues concerning repayment ability, bank credit policy, and documentation needed for underwriting decisions, and must be familiar with Bank credit policy as well as GSE, FHA, and VA guidelines.

Responsibilities

• Originate eligible mortgage loans by marketing to Prosperity Banking Centers, realtors, home builders, financial planners, networking groups, trade associations, and personal contacts.
• Meet minimum production expectations: 5 units or $1.0 M monthly; 15 units or $3.0 M over a 90‑day rolling average.
• Visit assigned Banking Centers regularly to build internal relationships, educate Bank employees on referring mortgage customers, and introduce non‑bank customers to Prosperity’s financial services.
• Maintain effective communication and coordination with Bank personnel in mortgage fulfillment and with management.
• Present a professional image, uphold the highest ethical standards, protect customer information, and act in the Bank’s best interest.
• Meet with potential customers to assess financial needs and recommend appropriate mortgage products.
• Oversee the entire loan process—from origination and analysis through closing—ensuring compliance with lending standards, legal requirements, and Bank policies.

Supervisory Responsibilities

This role has no supervisory duties.

Qualifications

• Education/Certification: High school graduate or equivalent; advanced degree preferred; NMLS certified.
• Required Knowledge: Bank consumer mortgage lending policies, procedures, and guidelines; financial analysis and credit‑worthiness determination.
• Experience: 3–5 years of mortgage banking experience, including working knowledge of FNMA/FHLMC, FHA, and VA.
• Skills/Abilities: Excellent communication and public‑relations skills; strong financial analytical abilities; solid interviewing skills; proficiency with relevant computer applications and business machines.

Physical & Mental Requirements

• Physical activity: Ability to stand, walk, reach, and drive throughout the day; sit for extended periods; lift or move up to 25 lb occasionally; maintain attention and concentration for long periods.
• Hearing: Average hearing sufficient for normal conversations.
• Vision: Average visual acuity needed for document preparation and inspection.
• Repetitive motion: Frequent use of wrists, hands, and fingers.
• Driving: Valid state driver’s license, required automobile insurance, and adherence to cell‑phone use policy.
• Mental abilities: Ability to interpret varied instructions, perform financial calculations (interest, payments, ratios, simple algebra), read and produce written documents with proper grammar, and communicate clearly with appropriate emphasis and pronunciation.
• Working conditions: Typical office environment with no hazardous or significantly unpleasant conditions.

Schedule

Hours: Monday – Friday, 8:00 am to 5:00 pm.