Mortgage Loan Officer

Mortgage Loan Officer

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 :

• 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 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 :

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.

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.

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.