Mortgage Loan Officer (Full Time) - OKC, Expressway
for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real content.
We need to parse the job posting.
First, remove boilerplate: pre-employment credit check line, external/internal application instructions, EEO, etc. Also remove "POSITION PURPOSE" maybe considered heading? We need to reformat.
We need to preserve all substantive information.
Let's extract sections:
- Position purpose: description of MLO responsibilities: source new mortgage loan business, take loan applications, review, provide list of docs, set expectations, provide updates, discuss mortgage related facts, ability to repay, bank credit policy, documentation for underwriting, familiar with bank credit policy and guidelines of GSE, FHA, VA.
- Essential Functions And Basic Duties: details: origination of eligible mortgage loans, marketing activities to generate referral from banking centers, realtors, home builders, financial planners, networking groups, trade associations, personal sphere. Minimum production expectation: Monthly: 5 units or $1.0M eligible loan volume; 90 day rolling average: 15 units or $3.0M. If provided assignment, visit bank regularly to build internal relationships, educate bank employees about ways to introduce customers to mortgage dept, look for opportunities to introduce non-bank mortgage customers to variety of financial services with warm handoff. Mortgage referrals from bank should be adjunct to self-sourced business. Responsible for establishing and maintaining effective communication, coordination, working relations with bank personnel in mortgage fulfillment area and with management. Present yourself professionally, representing bank with highest professional conduct and ethical behavior, while looking after safety of customer’s personal information and best interest of bank. Meet with potential customers to understand financial needs and present best mortgage products. Oversee customer experience through entire loan process, from origination and analysis to loan closing. Stay informed of, and abide by, lending standards and related legal requirements, always strictly adhere to all bank policies, regulatory and legal requirements. Note: statements describe general nature, not exhaustive list; other duties may be added.
- Supervisory Responsibilities: This role has no supervisory duties.
- Qualifications: 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.
- Talking? There's a stray "Talking" line maybe part of Skills? Actually after Skills/Abilities there is "Talking PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION". Probably a formatting error: "Talking" maybe part of Skills? We'll treat as part of Skills? But likely it's a heading for Physical Activities. We'll parse Physical Activities and Requirements.
- Physical Activities and Requirements: 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).
- 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.
- Hours: Monday - Friday 9:00 am to 5:00 pm
We need to decide which sections to output.
We have headings: About the role (maybe position purpose), Responsibilities (essential functions), Qualifications, Skills, Physical Activities/Requirements (maybe as a section?), Working Conditions, Reasoning Ability, Mathematics Ability, Language Ability, Schedule (hours). Benefits and Pay not present, so omit.
We should avoid thin sections; combine similar items.
We could have:
About the role
...position purpose...
Responsibilities
- ...list of duties...
Qualifications
- ...education, knowledge, experience...
Skills
- ...communication, analytical, interviewing, computer applications...
Physical Requirements
- ...hearing, repetitive motion, vision, driving, physical strength...
Working Conditions
None hazardous or significantly unpleasant conditions (such as in a typical office).
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.
Schedule
Monday - Friday 9:00 am to 5:00 pm
We need to ensure we don't repeat job title as heading. Good. We need to preserve all substantive information. Let's extract details precisely. Position purpose paragraph: "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." We'll put that in. Responsibilities: essential functions list. Let's break into bullet points. - Origination of eligible mortgage loans; focus on marketing activities necessary to generate mortgage loan referral activity from Prosperity Banking Centers, realtors, home builders, financial planners, networking groups, trade associations and personal sphere of influence. - Minimum production expectation: Monthly: 5 units or $1.0 Million in eligible loan volume; 90 day rolling average: 15 units or $3.0 Million in eligible loan volume. - If provided a Prosperity Bank assignment, visit the Bank on a regular basis to build internal relationships, educate Bank employees about ways to introduce Bank customers to the mortgage department and look for opportunities to introduce non-bank mortgage customers to the variety of financial services offered by Prosperity Bank with a warm handoff to the Bank employees in the assigned Banking Center. - Mortgage referrals received from the Bank should be an adjunct to their self-sourced business. - Establish and maintain effective communication, coordination, and working relations with Bank personnel in the mortgage fulfilment area and with management. - Present yourself in a professional manner, representing Prosperity Bank with the highest level of professional conduct and ethical behavior, while always looking after the safety of the customer’s personal information and the best interest of the Bank. - Meet with potential customers to understand their financial needs and present them with the best mortgage products to suit those needs. - Oversee the customer experience through the entire loan process, from origination and analysis to loan closing. - Stay informed of, and abide by, the lending standards and related legal requirements and always strictly adhere to all Bank policies, regulatory and legal requirements. Also note supervisory responsibilities: none. We could include supervisory as a bullet under responsibilities or separate. Probably include as bullet: "This role has no supervisory duties." Qualifications: 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. We'll bullet each. Skills: 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: Let's bullet: - 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: 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. We could combine some. Working Conditions: None No hazardous or significantly unpleasant conditions (such as in a typical office). We'll phrase: "No hazardous or significantly unpleasant conditions (such as in a typical office)." 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. Schedule: Monday - Friday 9:00 am to 5:0