Note: The job is a remote job and is open to candidates in USA. Fulton Bank is a company committed to making a positive impact in local communities and promoting continuous learning. They are seeking a Senior Mortgage Loan Officer to assist prospective customers in securing mortgage loans and building relationships with external referral sources.
Responsibilities
- Develops and expands referral sources outside of Fulton Bank in order to solicit first mortgages and create 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 be built and new ones can be developed
- Maintains regular contact and meets with external centers of influence such as attorneys, accountants, and financial advisors
- Collects and analyzes applicant’s financial information 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 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 customers to do business with Fulton Mortgage Company
- 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 prospective customers via telephone and email communication
- Completes paperwork related to the loans originated
- Prepares materials needed to support 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 all applicable parties on an ongoing basis to ensure understanding of the mortgage lending process
Skills
- High School Diploma or equivalent
- 4 or more years recent residential mortgage lending experience to include experience in the local market
- 4 or more years proven ability to develop referral sources from contacts and relationships outside the organization
Benefits
- 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
- A robust wellness program with financial incentives
Company Overview