Associate Mortgage Loan Officer

Fulton Bank•Hollymead, VA

7d•Hybrid

About The Position

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time, commissioned career opportunity that can be hybrid based out of our Worth Park location in Charlottesville, VA or our Stony Point location in Richmond, VA. Embraces, promotes, and is accountable for delivering, Fulton Financial Corporation's exclusive customer service. Solicits first mortgages through contacts with realtors, builders, and developers. Works with customers and prospective customers to assist in identifying and securing a mortgage loan that is appropriate for their individual financial circumstances and goals. This is an entry level role that combines formal classroom training, on-the-job training, and mentorship from team members.

Requirements

High School Diploma or equivalent. (Required)
1 or more years prior experience and proven success in customer service or sales. (Required)
Must obtain a NMLS registration upon hire, or transfer. (Required)
Basic Microsoft skills – Outlook, Word, Excel (Required)
Excellent communication skills and ability to have needs-based conversations (Required)
Exceptional customer service skills (Required)
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.

Nice To Haves

1 or more years prior experience in a financial industry position. (Preferred)

Responsibilities

Successfully completes all mortgage training required for this position. This includes in house classroom, on the job, external, and any state or national training necessary to earn and maintain mortgage lending authority. Over time, becomes a proficient on the various mortgage products offered and how they each best satisfy a customer’s financial needs. Adhere to and fully comply with any and all policies and procedures related to internal and external rules and regulations.
Under the guidance of more experienced team members and/or management, develops and expands referral sources in order to solicit first mortgages. Establishes and 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 trade shows and events related to real estate where relationships can be built and those already established can continue to grow.
After necessary training, collects and analyzes applicant financial information to assess the financial circumstances and determine whether the applicant and the property qualify for a particular loan. Interviews applicants and provides required information for the mortgage product. This includes 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 product(s) 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 education and persuasive sales activity to encourage business with Company and cross promotes other services and financial products of Company to outside referral sources.
Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, 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 but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

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. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.

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