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Senior Mortgage Loan Officer 2/7/2018

Fulton Bank, N.A. Severna Park, MD

Location
Severna Park, MD
AJE Ref #
581048226
Job Classification
Full Time
Job Type
Regular
Company Ref #
2017-6996
Experience
Entry Level (0 - 2 years)
Education
High School Diploma or GED

JOB DESCRIPTION

APPLY
# of Openings

1

Location Name

Severna Park

Category

Mortgage Banking

VALUE PROPOSITION

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. We hire team members who raise the bar, who are collaborative and inclusive, who build relationships, and who are looking for a long-term career with Fulton. We strive to promote a culture of work-life balance, to unplug and recharge to be your best self, at work and at home.

OVERVIEW

This is a full-time, commission only position based out of our Severna Park, MD location.



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, including home ownership. Requires to act on internal leads but to also cultivate external lead sources to generate origination of mortgage loans. A significant amount of time will be spent building relationships and soliciting first mortgages with realtors, builders, accountants, lawyers, financial advisors and other referral sources to obtain mortgage loan applications.

RESPONSIBILITIES

Essential Duties

Develops and expands referral sources in order to solicit first mortgages and develops 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 build and new ones can be forged. Maintains regular contact and meets with centers of influence such as attorneys, accountants, lawyers and financial advisors.

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 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

Education:

High School Diploma or the equivalent (Required)

Bachelor Degree or equivalent experience. (Preferred)





Candidate Experience:



Required A minimum of 4 years recent residential mortgage lending experience



Required Proven ability to develop and maintain a significant amount of referral sources from contacts and relationships outside the organization. Other sources could be repeat customers, referrals from current clients as well as branch referrals.



EEO STATEMENT

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Financial Corporation currently or in the future.Fulton Financial Corporation ( Fulton ) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

NMLS

This position may require incumbent to be registered in the Nationwide Mortgage Licensing System and Registry. Incumbents who are required to register will be notified in writing.

Overview

Since Fulton Bank opened its doors in 1882, we have strived to deliver the best banking experience for our customers. Our focus on customers has allowed us to grow along with you.

Today, as part of Fulton Financial Corporation, a $21.3 billion financial services holding company, Fulton Bank offers a broad array of financial products and services in Pennsylvania, New Jersey, Maryland, Delaware, and Virginia.
We're proud to offer convenience in neighborhoods across the region through over 250 branches and specialty offices and almost 300 ATMs. Our community-oriented style of banking and commitment to our customers enables us to provide the flexibility and timely response customers need, helping us sustain mutually satisfying, long-term banking relationships.

Our workplace offers continuous learning, collaboration, innovation, and integrity, along with a competitive salary and benefits. We have career opportunities at every experience level and we’re looking for people who are passionate about collaboration, customer service and lasting relationships. When you become a part of our team, you become part of an organization that values each person who contributes to our success: from our employees, to our customers and to everyone in the communities where we live. Our many internship and management trainee opportunities also make us a unique place to begin your career.

Equal Opportunity Employer, including disability/vets.


Company Size:
1,001-5,000 Employees
Industry
Financial Services
Founded:
1882
Social Media:
Headquarters:
1 Penn Square
Lancaster, PA 17602

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