Senior Mortgage Loan Officer - Outside Sales

Fulton Bank • Manheim Township, PA

1d • Remote

About The Position

This is a full-time, commissioned career opportunity that can be remote within Monmouth, Middlesex, and Union Counties, NJ or surrounding markets.
Works with 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. Spends 80% or more of working time outside of Fulton office locations building relationships and soliciting first mortgages with realtors, builders, accountants and other external referral sources to obtain mortgage loan applications. Requires employee to cultivate self-generated prospects to generate origination of mortgage loans.

Requirements

• 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.

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.

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 and a robust wellness program with financial incentives

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED