Previous Job
Mortgage Loan Originator (Bank of the Ozarks)
Ref No.: 16-08429
Location: Atlanta, Georgia
Job Purpose and Scope:

To locate prospective customers with a need to obtain a mortgage loan secured by residential real estate.

Essential Job Functions:
  • Prospect for mortgage loan customers
  • Develop relationships with professional Realtors, Home Builders, and internal bank partners
  • Create rapport and trust with customers and referring partners
  • Counsel with customers to identify mortgage loan needs and options
  • Assist in the processing and closing of the loan in a professional manner that is profitable to the bank and creates customer loyalty
  • 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
  • Exercise discretion and independent judgment
  • Drive an automobile
  • Maintain good punctuality and attendance to work

    Marginal Job Duties:
  • Analyze property appraisals for Investor compliance

  • Knowledge, Skills & Abilities:

  • Ability to work without close supervision
  • Ability to meet strangers and create trust and rapport
  • Excellent computer skills for preparation of application packages
  • Knowledge of loan requirements for FHA, VA, and conventional loans
  • Knowledge of interest rates, points, and fees for mortgage loans
  • Knowledge of the basic elements required for closing a mortgage loan
  • Knowledge of the real estate appraisals
  • Ability to read and analyze credit reports
  • Knowledge of basic Income Tax Forms and ability to analyze data
  • Ability to develop a personal marketing plan, including ability to self-start
  • Ability to drive an automobile
  • Equipment Used in Job Performance/Working Environment:
  • Personal Computer
  • 10-key Calculator
  • Telephone
  • Basic office equipment, including facsimile machine and copier
  • Automobile

    Major Job Demands (Physical/Mental):
  • Needs identification and problem solving
  • Calling on prospective customers outside the office, which could involve extensive driving
  • Analysis of detailed financial information

  • Position Requirements

    Basic Qualifications:

  • High School diploma or equivalent.
  • At least one year previous experience in mortgage department
  • At least one year of experience with sales
  • Valid driver's license and good driving record
  • Bank of the Ozarks 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.
ControlID: 14.234.89 SHR