Senior Mortgage Loan Officer

Fulton Bank, N.A.; Galloway Township (NJ); Vor Ort; USD 55.000 - 90.000; Vollzeit

Benefits dieser Stelle

Benefits package

Zusammenfassung

Fulton Bank, N.A. is seeking a full-time, commissioned Mortgage Loan Originator in Atlantic County, NJ. The role emphasizes building relationships with Realtors, builders, accountants, lawyers and other referral sources to generate mortgage loan applications and origination opportunities.

You will assess borrowers’ financial situations, present suitable loan solutions, and guide clients through the process while maintaining compliance and customer communication.

Qualifikationen

• High School Diploma or equivalent required.
• 4+ years current residential mortgage lending experience.
• Proven ability to develop referral sources outside the branch.
• Experience soliciting mortgage loan originations and building Realtor/builder/attorney/referral networks.

Aufgaben

• Develops referral sources to solicit first mortgages and maintains ongoing origination volume.
• Collects and analyzes applicant financial information to determine loan eligibility and product fit.
• Engages in persuasive sales activities with customers and external referral sources.
• Ensures loan documentation and regulatory compliance throughout the loan lifecycle.

Ausbildung

High School Diploma or equivalent

Jobbeschreibung

Overview

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. Requires acting on internal leads but also cultivating external lead sources to generate origination of mortgage loans. A significant amount of time will be 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. Intervies applicants and provide 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\'s needs in conjunction with 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 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 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.

Qualifications

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 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)

Other Duties

This role may perform other job duties as assigned by the manager. Each employee 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 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; dental and vision insurance; life insurance; 401(k) with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance, maternity and parental leave; adoption assistance; educational assistance and a wellness program. To learn more, please visit Benefits & Wellness.

NMLS

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

EEO Statement

Fulton Bank is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, age, genetic information, marital status, disability, 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.