This position can be located in Tampa, FL., St. Petersburg, FL., or Clearwater, FL.
Job Purpose and Scope:
Responsible for originating and promoting the Bank OZK Freedom Advantage Mortgage product focused on meeting the credit needs of low and moderate income (“LMI”) borrowers and census tracts. Plays an active role in helping the Bank foster working relationships with the LMI and minority community, organizations serving the LMI and minority community, and individual LMI and minority applicants.
Essential Job Functions:
- Prospects for Mortgage Loan customers, particularly LMI customers.
- Calls on prospective customers and referral partners outside the Bank.
- Networks with community organizations, realtors, and other referral partners to generate mortgage referrals and other community development related business opportunities.
- Creates rapport and trust with customers and referral partners.
- Originates the Freedom Advantage Mortgage and other mortgage products targeting LMI borrowers.
- Takes and ensures complete, accurate, and compliant loan applications.
- Orders credit reports and resolves any discrepancies.
- Inputs loan information into loan origination software.
- Orders appraisals.
- Cross sells customers on the use of other Bank products.
- Proactively communicates loan status and progress to the customer.
- Manages the Mortgage Loans kept on the Bank’s book of business.
- Acts as a liaison for the Bank in the LMI and minority community, representing the Bank at evening and weekend events.
- Regularly exercises discretion and judgment in the performance of essential job functions.
- Maintains good punctuality and attendance to work.
- Follows Bank policy, procedures, and guidelines.
Knowledge, Skills & Abilities:
- Knowledge and understanding of the appraisal process and ability to adequately review appraisals.
- Knowledge of the basic elements required for closing a Mortgage Loan.
- Knowledge of basic income tax forms and ability to analyze them.
- Ability to communicate effectively both verbally and in writing.
- Ability to work under general supervision.
- Ability to demonstrate effective business development skills.
- Ability to accurately analyze financial statements and cash flows.
- Ability to identify needs, analyze data, and make decisions.
- 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.
- Ability and willingness to share expertise with others.
- Ability to demonstrate excellent customer service skills and respond promptly to customer needs.
- Ability and willingness to participate actively in community organizations to benefit the Bank.
- Ability to manage time effectively to set and achieve challenging goals.
- Ability to travel for Bank business with some overnight travel.
- Skill in using computer and Microsoft Office, including Word, Excel, and Outlook.
Job Expectations:Operate customary equipment and technology used in a business environment, with or without accommodation.
Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.
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