VP CRA Mortgage Loan Originator

Employer
Bank OZK
Location
Little Rock, Arkansas
Posted
Sep 12, 2023
Closes
Oct 12, 2023
Specialty
Mortgage
Type
Full Time
Level
Experienced


Job Purpose and Scope:  

Responsible for originating and promoting the Bank OZK Freedom Advantage Mortgage product in addition to other secondary market mortgage products targeted to low and moderate income (“LMI”) borrowers. Fosters working relationships with the LMI and minority community, organizations serving the LMI and minority community, and individual LMI and minority applicants.

 

Essential Job Functions:        

  1. Prospects for mortgage loan customers, particularly LMI customers.
  2. Calls on prospective customers and referral partners outside the office, driving an automobile as needed for business purposes.
  3. Networks with community organizations, realtors, and other referral partners to generate mortgage referrals and other community development related business opportunities.
  4. Creates rapport and trust with customers and referral partners.
  5. Originates the Freedom Advantage Mortgage and other mortgage products targeting LMI borrowers.
  6. Takes and ensures complete, accurate, and compliant loan applications.
  7. Orders credit reports and resolves any discrepancies.
  8. Inputs loan information into loan origination software.
  9. Orders appraisals.
  10. Cross-sells customers on the use of other Bank products.
  11. Proactively communicates loan status and progress to the customer.
  12. As the originating officer, services the mortgage loans kept on the Bank’s book of business as the originating officer.
  13. Acts as a liaison for the Bank in the LMI and minority community, representing the Bank at evening and weekend events.
  14. Regularly exercises discretion and judgment in the performance of essential job functions.
  15. Maintains good punctuality and attendance to work.
  16. Follows Bank policy, procedures and guidelines.

 

Knowledge, Skills & Abilities:

  1. Knowledge and understanding of the appraisal process and ability to adequately review appraisals.
  2. Knowledge of the basic elements required for closing a mortgage loan.
  3. Knowledge of basic income tax forms and ability to analyze them.
  4. Ability to communicate effectively both verbally and in writing.
  5. Ability to work under general supervision.
  6. Ability to demonstrate effective business development skills.
  7. Ability to accurately analyze financial statements and cash flows.
  8. Ability to identify needs, analyze data, and make decisions.
  9. Ability to read and interpret written information, synthesize complex or diverse information, use intuition and experience to complement data, develop alternate solutions, and make sound decisions.
  10. Ability and willingness to share expertise with others.
  11. Ability to demonstrate excellent customer service skills and respond promptly to customer needs.
  12. Ability and willingness to participate actively in community organizations to benefit the Bank.
  13. Ability to manage time effectively to set and achieve challenging goals.
  14. Ability to operate and work collaboratively in a fast-paced, unpredictable environment with exacting deadlines.
  15. Ability to manage multiple priorities and projects, as well as the ability to adapt quickly to changing needs.
  16. Skill in using computer and Microsoft Office, including Word, Excel, PowerPoint, and Outlook.

 

 

Equipment Used in Job Performance/Working Environment:

  1. Computer
  2. Multifunction device
  3. Telephone
  4. Financial Calculator

 

Major Job Demands (Physical/Mental):

  1. Problem-solving
  2. Decision-making

 

Position Requirements:

Basic Qualifications:

  1. High school diploma or equivalent required; bachelor’s degree in a business-related field preferred.
  2. Minimum of four (4) years banking and/or community development work experience or an equivalent combination of education and experience required.
  3. Valid driver’s license with a good driving record.

 

Bank OZK is an equal opportunity employer and give consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.