Mortgage Loan Officer

Fulton Bank, N.A.; Sicklerville (NJ); Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical plans

Dental & Vision insurance

401(k) with employer match

Paid time off

Job summary

Fulton Bank, N.A. is seeking a Mortgage Loan Officer for our Southern New Jersey market, including locations such as Mount Laurel, Galloway, Sicklerville, and nearby towns.

The role is full-time and commission-based with potential hybrid work arrangements. Responsibilities include soliciting first mortgages through Realtors, builders, and developers, evaluating applicants, recommending suitable loan products, and maintaining customer relationships throughout the loan process.

Qualifications

• 1+ years residential mortgage lending experience in the local market.
• 1+ years proven ability to develop referral sources from contacts outside the organization.

Responsibilities

• Develops and expands referral sources to solicit first mortgages and maintains relationships with Realtors and builders.
• Assesses financial information from applicants to determine loan qualification and matches products to needs.
• Engages in sales activity to encourage clients to do business with Fulton Bank and cross-promote services.
• Completes loan-originations paperwork, follows regulatory requirements, and communicates with customers throughout the process.

Skills

Referral sources

Mortgage lending

Education

High School Diploma or equivalent

Job description

Mortgage Loan Officer

Location: Southern NJ – locations include Mount Laurel, Galloway, Logan Township, Voorhees, Clayton, Woolwich Township, Williamstown, Woodstown, Pitman, Berlin, Sicklerville, Trenton, Lawrence, Whitehouse, Teterboro, West Windsor, and others.

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 Southern NJ market.

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. Participates in mixers related to real estate where relationships can continue to build and new ones can be forged.
• Collects and analyzes applicant's 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, liens, and characteristics of property and similar information. Identifies customer’s needs in conjunction with the customer’s financial situation 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 customer to do business with Company and cross‑promotes other services and financial products of 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 e‑mail communication. Completes paperwork related to the loans originated. Prepares materials needed to support 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 recent residential mortgage lending experience, including the local market.
  • 1 or more years proven ability to develop referral sources from contacts and relationships outside the organization.

Other Duties

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.