Mortgage Loan Officer

Fulton Financial; Truro; Hybrid; USD 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a motivated mortgage loan officer to join their team. This full-time, commissioned role offers a unique opportunity to work in a hybrid environment, focusing on building relationships with realtors and developers while helping clients navigate their mortgage options. You will be instrumental in guiding customers through the mortgage process, ensuring they find the best financial solutions to meet their goals. With a commitment to community and employee development, this organization fosters a culture of continuous learning and inclusion, making it an exciting place to grow your career.

Benefits

Medical Plans

Dental and Vision Insurance

401(k) Program with Employer Match

Paid Time Off

Educational Assistance

Wellness Program with Financial Incentives

Qualifications

• 1+ years of recent residential mortgage lending experience required.
• Proven ability to develop referral sources from external contacts.

Responsibilities

• Solicits first mortgages through contacts with realtors and builders.
• Collects and analyzes financial information to assess loan eligibility.
• Engages in persuasive sales activities to encourage customer business.

Skills

Residential Mortgage Lending

Customer Relationship Management

Financial Analysis

Bilingual Skills

Education

High School Diploma or equivalent

Job description

Value Proposition

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

Overview

This is a full-time, commissioned career opportunity that can be hybrid based out of our Downtown Lebanon location in Lebanon, PA.

Solicits first mortgages through contacts with realtors, builders, and developers. Works with customers and prospective customers to assist them in identifying and securing a mortgage loan that is appropriate for their individual financial circumstances and is designed to help them achieve their financial goals, including home ownership.

Responsibilities

• Develops and expands referral sources in order to solicit first mortgages. Maintains regular contact with Realtors in their offices and on site at open house events. Meets with builders on job sites to discuss lending options related to clients they have building homes. Regularly seeks opportunities to meet with developers. Participates in building and trade shows. Participates in mixers related to real estate where relationships can continue to build and new ones can be forged.
• Collects and analyzes applicants’ financial information typically at one of the organization’s branch locations to assess the financial circumstances to determine whether the applicant and the property qualify for a particular loan. Interviews applicants and provides required information, including income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of property and similar information. Identifies customer needs in conjunction with customer financial situations and evaluates those needs in relation to available financial products. Recommends the financial products which best meet the customer’s specific needs after advising the customer about the risks and benefits of the loan alternatives, including the options and advantages involved. Recommends terms and conditions of mortgage loans.
• Engages in customer-specific persuasive sales activity to encourage potential customers to do business with the Company and cross-promotes other services and financial products of the Company to outside referral sources.
• Performs work related to the loans the employee originates. Obtains and analyzes pertinent financial and credit data. Follows current loans to ensure conformity with terms. Follows up with customers and prospective customers via telephone and email communication. Completes paperwork related to the loans originated. Prepares materials needed to support the employee’s loan activities. Attends company meetings as necessary. Ensures loan originations are in accordance with regulatory compliance. Ensures documentation is completed in accordance with regulatory compliance. Communicates with the customer throughout the process on an ongoing basis to ensure the customer understands the process.

Qualifications

Required Education

High School Diploma or equivalent.

Required Experience

1 or more years of recent residential mortgage lending experience to include experience in the local market. Experience in the Fulton Mortgage Company Associate Mortgage Loan Officer Program may be accepted in lieu of 1 year required residential mortgage lending experience.

1 or more years of proven ability to develop referral sources from contacts and relationships outside the organization.

Bilingual skills (Preferred)

Other Duties as Assigned by Manager

This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding, and acting on the contents of all Company-assigned and/or job-related Compliance Programs, regulations, and policies and procedures, as well as ensuring that all Compliance Training assignments are completed by established due dates. This includes but is not limited to understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

Pay Transparency

This position is fully commissioned.

Benefits

Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.

NMLS

This position may require the incumbent to be registered in the Nationwide Mortgage Licensing System and Registry. Incumbents who are required to register will be notified in writing.

EEO Statement

Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train, and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

Sponsorship Statement

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.