Mortgage Loan Officer (Full Time) - Plano

About the role

The Mortgage Loan Officer (MLO) sources new mortgage loan business from leads generated inside and outside the Bank, takes loan applications, reviews them, provides applicants with required documentation lists, sets realistic expectations about the mortgage process, and gives regular updates. The MLO discusses mortgage‑related facts, ability to repay, bank credit policy, and necessary documentation for underwriting, while adhering to Bank policies, GSE, FHA, and VA guidelines.

Responsibilities

• Originate eligible mortgage loans and meet production expectations (minimum 5 units or $1.0 M monthly; 15 units or $3.0 M 90‑day rolling average).
• Generate referral activity from Banking Centers, realtors, home builders, financial planners, networking groups, trade associations, and personal sphere of influence.
• Visit assigned Banking Centers regularly to build internal relationships, educate Bank staff on referring customers to the mortgage department, and identify opportunities to introduce non‑bank customers to Prosperity’s financial services.
• Maintain effective communication and coordination with mortgage fulfillment personnel and management.
• Present a professional image, uphold ethical conduct, protect customer information, and act in the Bank’s best interest.
• Meet with prospective customers to assess financial needs and recommend suitable mortgage products.
• Oversee the customer experience from origination through analysis to loan closing.
• Stay current with lending standards, legal requirements, and Bank policies; ensure strict compliance.

Qualifications

• High school graduate or equivalent; advanced degree preferred.
• Knowledge of Bank consumer mortgage lending policies, procedures, and guidelines.
• Understanding of financial analysis and credit‑worthiness determination.
• NMLS certification required.
• 3–5 years of prior mortgage banking experience, including working knowledge of FNMA/FHLMC, FHA, and VA.

Skills

• Excellent communication and public‑relations skills.
• Strong financial analytical abilities.
• Solid interviewing skills.
• Proficiency with related computer applications and business machines.
• Ability to interpret instructions, deal with multiple variables under limited standardization, and reason effectively.
• Mathematics ability to compute interest, payments, profit/loss, financial ratios, percentages, cash flow, and debt service; perform simple algebra.
• Language ability to read various materials, prepare memos, internal loan applications, reports, and essays with proper punctuation, spelling, and grammar; communicate distinctly with appropriate pauses, emphasis, pronunciation, and tense usage.

Requirements

• Valid driver’s license in the state of residence and required automobile insurance.
• Compliance with Bank cell‑phone use standards as outlined in the employee handbook.
• Ability to withstand moderate physical activity throughout the workday (standing, walking, reaching, driving).
• Ability to sit for extended periods.
• Capability to lift or move up to 25 pounds occasionally.
• Ability to maintain attention and concentration for extended periods.
• Average hearing, visual acuity, and repetitive wrist/hand/finger motions as needed for document preparation and equipment operation.

Schedule

Monday – Friday, 9:00 am to 5:00 pm.