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Consumer Mortgage Analyst (Full Time) - Dallas
at Prosperity Bank
HOURS: Monday - Friday 8:30 am - 5:30 pm
Prosperity Bank is seeking to fill the position of Consumer Mortgage Analyst in Dallas.
The Consumer Mortgage Analyst will be responsible for managing and monitoring the daily workflow of consumer mortgage loans and be an expert on loan guidelines and Prosperity Bank’s internal underwriting procedures. The Underwriter must make sound decisions on loans regarding credit worthiness of borrowers while working closely with Mortgage Specialists, Loan Officers, and operations staff. A main function of the Analyst will be the spreading and analysis of consumer & business financial statements & tax returns for prospective and existing loan customers.
The essential functions and basic duties of the position are:
- To assist loan officers in making credit decisions on new loan requests or loan renewals.
- Review and verify income, employment and credit history of applicant, requesting additional financial information as needed.
- Complete credit analysis, background, collateral, strengths & weaknesses and summaries of loan request(s).
- When needed perform loan reviews of existing commercial loans.
- Identify documentation exceptions.
- Other duties as assigned.
Prosperity Bank is committed to providing our customers a personalized service experience, we're looking for people who are passionate about satisfying customers, will not settle for the average, embrace creativity and operate with a sense of purpose. If this is you, then we are looking forward to meeting you and are excited that you are interested in joining Prosperity Bank - where we are Simply Better!
Come join our team and explore the endless possibilities that a career in banking can provide!
A pre-employment credit check will be performed on all qualified applicants.
Prosperity Bank is an Equal Employment Opportunity and Affirmative Action employer, and Member of the FDIC.
Must have an understanding of current mortgage and compliance laws and regulations and ability to evaluate loan risk.
Proficiency in underwriting complex personal/business tax returns and financial statements.
Excellent interpersonal and communication skills, oral and written, with a focus on excellent customer service.
Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.
Ability to work independently and be a self-starter, producing results in a timely manner.
Working knowledge of Excel, MS Word, and database applications.
Must be detail oriented, organized and work efficiently under pressure.
Ability to multi-task and problem solve.
Bachelor’s Degree in Business Administration, Accounting or Finance with a minimum of 12 hours of accounting and 18 hours of finance.
Minimum 2 years’ experience underwriting residential mortgage loans.
Experience with Encompass a plus.