Mortgage Loan Officer (Full Time) - Tyler

A 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 for the mortgage process, and delivers regular updates to applicants and relevant parties. The role includes discussing mortgage‑related facts, credit policy, and documentation needed for underwriting decisions, and requires familiarity with Bank credit policy and GSE, FHA, and VA guidelines.

Essential Functions and Basic Duties

• Originate eligible mortgage loans, focusing on marketing activities to generate referrals from Prosperity Banking Centers, realtors, home builders, financial planners, networking groups, trade associations, and personal networks.
• Meet minimum production expectations:
  • 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
• Visit assigned Banking Centers regularly to build internal relationships, educate Bank employees on mortgage referrals, and facilitate warm handoffs for non‑bank mortgage customers.
• Maintain effective communication and coordination with Bank personnel in mortgage fulfillment and management.
• Present a professional image, uphold ethical conduct, 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 customer experience throughout the loan process—from origination and analysis to closing.
• Stay informed of and comply with lending standards, legal requirements, and all Bank policies and regulations.

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 creditworthiness determination.
• Experience Required: 3–5 years of mortgage banking experience, including knowledge of FNMA/FHLMC, FHA, and VA.
• Skills/Abilities:
  • Excellent communication and public relations skills
  • Financial analytical skills
  • Solid interviewing skills
  • Proficiency with related computer applications and business machines

Physical Requirements

• Average hearing for normal conversations and ordinary information.
• Repetitive wrist, hand, and finger motions required.
• Average visual acuity for document preparation and inspection.
• Valid driver’s license, automobile insurance, and compliance with cell‑phone use policy for outside‑sales activities.
• Ability to withstand moderate physical activity (standing, walking, reaching, driving) and sit for extended periods.
• Occasional lifting or moving of up to 25 pounds.
• Maintain attention and concentration for extended periods.

Working Conditions

Typical office environment with no hazardous or significantly unpleasant conditions.

Reasoning Ability

• Interpret varied instructions and handle limited standardization.
• Perform mathematical calculations such as interest, payments, profit/loss, ratios, percentages, cash flow, and debt service; simple algebra.
• Read and comprehend a variety of written materials; prepare memos, loan applications, reports, and essays with proper grammar and punctuation.
• Communicate clearly with appropriate pauses, emphasis, and correct pronunciation.

Schedule

Monday – Friday, 9:00 am to 5:00 pm.