Mortgage Loan Officer

Fulton Bank, N.A.; Barnegat Township (NJ); Hybrid; USD 65,000 - 120,000; Full time

Benefits offered by this job

Medical plans with prescription drug |

401(k) plan with employer match

Paid time off including holidays

Parental leave and adoption assistance

Job summary

Fulton Bank, N.A. in Barnegat/Manahawkin is seeking a Mortgage Loan Officer to join a full‑time, commission‑based team.

The role can be hybrid based out of Manahawkin or Barnegat, NJ, focusing on first mortgages with realtor, builder, and developer referral networks. You will assess applicants, analyze finances, and guide clients to loan options that fit their goals, while ensuring regulatory compliance and clear, ongoing communication throughout the process.

Qualifications

• High School Diploma or equivalent.
• 1+ years residential mortgage lending experience.
• Experience developing referral sources and external relationships.

Responsibilities

• Solicit first mortgages by cultivating realtor, builder, and developer relationships.
• Assess applicants' financial situations and determine loan eligibility.
• Engage in customer-focused sales and cross-sell other bank products.
• Handle loan paperwork, ensure regulatory compliance, and maintain ongoing customer communication.

Skills

Referral source development

Sales / cross-sell

Customer communication

Regulatory compliance awareness

Education

High School Diploma or equivalent

Job description

Mortgage Loan Officer

Job Locations: US-NJ-Manahawkin | US-NJ-Barnegat

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 Manahawkin or Barnegat, NJ locations.

Solicits first mortgages through contacts with realtors, builders, and developers. Work 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

• Develop and expand referral sources to solicit first mortgages. Maintain regular contact with realtors in their offices and on site at open house events. Meet with builders on job sites to discuss lending options related to clients they are building homes for. Regularly seek opportunities to meet with developers. Participate in building and trade shows and mixers related to real estate where relationships can continue to build and new ones can be forged.
• Collect and analyze applicant’s financial information typically at one of the organization’s branch locations to assess the financial circumstances and determine whether the applicant and the property qualify for a particular loan. Interview applicants and provide required information, including income, assets, investments, debt, credit history, prior bankruptcies, judgments, liens, and characteristics of property and similar information. Identify customer needs in conjunction with customer financial situation and evaluate those needs in relation to available financial products. Recommend the financial products which best meet the customer’s specific needs after advising customer about risks and benefits of the loan alternatives, including the options and advantages involved. Recommend terms and conditions of mortgage loans.
• Engage in customer‑specific persuasive sales activity to encourage potential customers to do business with the company and cross‑promote other services and financial products of the company to outside referral sources.
• Perform work related to the loans the employee originates. Obtain and analyze pertinent financial and credit data. Follow current loans to ensure conformity with terms. Follow up with customers and prospective customers via telephone and email communication. Complete paperwork related to the loans originated. Prepare materials needed to support employee’s loan activities. Attend company meetings as necessary. Ensure loan originations are in accordance with regulatory compliance. Ensure documentation is completed in accordance with regulatory compliance. Communicate 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 recent residential mortgage lending experience. 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 proven ability to develop referral sources from contacts and relationships outside the organization. Other sources could be repeat customers, referrals from current clients as well as branch referrals.

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 ensure 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

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 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.