Mortgage Loan Officer

Fulton Bank, N.A.; Lebanon (Lebanon County); Hybrid; USD 60,000 - 100,000; Full time

Benefits offered by this job

Medical plans

401(k) with employer match

Paid time off

Parental leave

Job summary

Fulton Bank, N.A. in Lebanon, PA is seeking a Mortgage Loan Officer to grow first mortgages through realtor and builder networks. The role is full-time and commission-based with hybrid work options from Downtown Lebanon.

You will collect financial data, assess qualification, explain loan options, and guide customers from application to closing while maintaining compliance and delivering excellent service.

Qualifications

• High School Diploma or equivalent is required.
• 1+ years residential mortgage lending experience in the local market.
• 1+ years proven ability to develop referral sources from contacts and relationships outside the organization.
• Bilingual skills (Preferred).

Responsibilities

• Develops and expands referral sources to solicit first mortgages and maintain relationships with realtors, builders, developers, and at open house events.
• Collects and analyzes financial information from applicants to determine loan qualification, advising on products and terms.
• Engages in sales activities to promote the bank's mortgage products to customers and referrals.
• Manages loan origination paperwork, compliance, and customer communications through the loan process.

Education

High School Diploma or equivalent

Job description

Mortgage Loan Officer

Job Locations: US-PA-Lebanon

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. 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

• 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 who have building homes. Regularly seeks opportunities to meet with developers. Participates in building and trade shows and mixers related to real estate to build and forge new relationships.
• Collects and analyzes 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. Interviews applicants and collects required information including income, assets, investments, debt, credit history, prior bankruptcies, judgments, liens, and property characteristics. Identifies customer’s needs in conjunction with their financial situation and evaluates those needs in relation to available products. Recommends the financial products that best meet the customer’s specific needs, advising them on risks and benefits, and 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 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; completes paperwork related to loans originated; prepares supporting materials; attends company meetings as necessary; ensures loan originations are in accordance with regulatory compliance; communicates with the customer throughout the process to ensure they understand the process.

Qualifications

Required Education

High School Diploma or equivalent.

Required Experience

1 or more years recent residential mortgage lending experience, including 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 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 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.