Mortgage Loan Officer

Mortgage Loan Officer

This is a full-time, commissioned career opportunity that can be hybrid based out of our City Line Plaza location in Bethlehem, 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.

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 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.
• Collects and analyzes applicant's financial information typically at one of the organizations 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 the 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 :

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.

EEO Statement : Fulton Bank is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons.