Residential Mortgage Loan Originator

Responsibilities

• Convert internally generated mortgage leads into mortgage loans.
• Assess potential borrowers' needs and guide them through the loan process.
• Originating mortgage loans for Bank OZK’s employees.
• Cultivate and maintain strong relationships with past customers and their network of professionals.
• Create rapport and trust with customers and referring partners.
• Counsel customers to identify mortgage loan needs and options.
• Absolutely complete and deliver initial disclosures.
• 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.
• Analyze property appraisals for Investor compliance.
• Travel on Bank business.
• Regularly exercise discretion and independent judgment in the performance of essential job functions.
• Maintain good punctuality and attendance to work.
• Follow Bank policy, procedures, and guidelines.

Requirements

• Associate’s degree or commensurate work experience and two years of residential mortgage or banking experience, OR high school diploma and three years of residential mortgage or banking experience, required.
• NMLS, or successful completion of NMLS process within 30 days of hire, required.
• Experience working in Encompass, preferred.

Qualifications

• Knowledge of lending criteria/business needs, lending systems, and regulatory/investor lending guidelines.
• Knowledge of loan origination needs and milestones (i.e., origination, processing, underwriting, closing, products, vendor interfaces).
• Ability to communicate effectively, both verbally and in writing.
• Ability to work without close supervision.
• Ability to demonstrate effective critical thinking, analytical, and problem-solving skills.
• Ability to work effectively in a fast-paced environment with exacting deadlines.
• Ability to work effectively in a collaborative team environment.
• Ability to maintain strict confidentiality and bank secrecy.
• Ability to demonstrate effective customer service skills.
• Skill in using computer and Microsoft Office, including Outlook, Word, Excel, and PowerPoint.