Note: The job is a remote job and is open to candidates in USA. Fulton Bank is hiring a Mortgage Loan Officer to help prospective customers identify and secure mortgage loans suited to their financial circumstances. The role focuses on generating mortgage business through external referral relationships, advising applicants on loan options, and managing loan origination activities in compliance with regulations.

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
• 1 or more years recent residential mortgage lending experience to include experience in the local market. 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
• 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

Benefits

• Remote work within the Capital PA region.
• This is a fully commissioned role.
• For those who qualify: 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; Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage; maternity and parental leave; adoption assistance; educational assistance; and a robust wellness program with financial incentives.

Company Overview