Senior Mortgage Loan Officer

Fulton Bank; Absecon (NJ); Hybrid; USD 80.000 - 150.000; Vollzeit

Benefits dieser Stelle

401(k) with employer match

Medical and dental insurance

Paid time off

Educational assistance

Employee Stock Purchase Plan

Disability insurance

Parental leave

Educational assistance

Wellness program

Zusammenfassung

A leading financial institution is seeking a mortgage loan officer in Absecon, NJ. This full-time position focuses on building referral relationships to secure mortgage funding for clients. Responsibilities include analyzing financial information, engaging in persuasive sales, and ensuring compliance with loan regulations. Candidates need at least 4 years of experience in the residential mortgage sector and a high school diploma. This role offers a fully commissioned structure and extensive benefits.

Qualifikationen

• 4+ years in residential mortgage lending required.
• Proven ability to develop referral sources outside branch referrals.
• Strong sales and customer engagement skills needed.

Aufgaben

• Build and maintain referral sources to solicit first mortgages.
• Analyze applicant financial information to assess loan eligibility.
• Cross-promote other services and handle loan-related activities.
• Performs loan origination tasks, collects documents, and ensures compliance in the loan process.

Kenntnisse

Customer relationship building

Financial analysis

Persuasive sales

Regulatory compliance

Ausbildung

High School Diploma or equivalent

Jobbeschreibung

Overview

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.

This is a full‑time, commissioned career opportunity that can be hybrid based out of our Atlantic County, NJ locations.

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. The role requires acting on internal leads and cultivating external lead sources to generate origination of mortgage loans. A significant amount of time is spent building relationships and soliciting first mortgages with realtors, builders, accountants, lawyers, financial advisors and other referral sources to obtain mortgage loan applications.

Responsibilities

• Develops and expands referral sources in order to solicit first mortgages and develops a continual stream of origination volume. 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. Maintains regular contact and meets with centers of influence such as attorneys, accountants, lawyers and financial advisors.

• 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, and liens, as well as characteristics of the 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 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 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.

Education

High School Diploma or equivalent. Specialty Not applicable at this level. (Required)

Experience

• 4 or more years Current residential mortgage lending. (Required)
• 4 or more years Incumbents will have established referral sources that are outside of branch referrals and provide a continual stream of loan originations. (Required)
• 4 or more years Proven ability to develop and maintain a significant amount of referral sources from contacts and relationships outside the organization. Other sources could be repeat customers, referrals from current clients. (Required)

Additional Responsibilities

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.

Compensation

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 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.

Licensing

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.

Equal Opportunity

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.

Work Visa

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.