Mortgage Loan Officer - Outside Sales
Fulton Bank, N.A., Richmond, VA, United States
life insurance, vision insurance, flexible benefit account, parental leave, paid time off, 401(k)
United States, Virginia, Richmond
Overview This is a remote, commissioned career opportunity that can be based out of
Hampton Roads
or
Central VA .
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.
Responsibilities
Develop and expand referral sources outside of Fulton Bank to solicit first mortgages and create a continual stream of origination volume. Maintain regular contact with Realtors in their offices and on site at open house events.
Meet with builders on job sites to discuss lending options related to clients they have building homes. Regularly seek opportunities to meet with developers. Participate in building and trade shows. Participate in mixers related to real estate where relationships can continue to be built and new ones can be developed. Maintain regular contact and meet with external centers of influence such as attorneys, accountants, and financial advisors.
Collect and analyze applicant's financial information to determine whether the applicant and the property qualify for a particular loan. Interview applicants and provide required information, including income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property and similar information. Identify customers' needs in conjunction with their financial situation and evaluate those needs in relation to available financial products. Recommend 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. Recommend terms and conditions of mortgage loans.
Engage in customer-specific persuasive sales activity to encourage potential customers to do business with Fulton Mortgage Company.
Perform work related to the loans the employee originates. Obtain and analyze pertinent financial and credit data. Follow current loans to ensure conformity with terms. Follow up with prospective customers via telephone and email communication. Complete paperwork related to the loans originated. Prepare materials needed to support loan activities. Attend company meetings as necessary. Ensure loan originations are in accordance with regulatory compliance. Ensure documentation is completed in accordance with regulatory compliance. Communicate with all applicable parties on an ongoing basis to ensure understanding of the mortgage lending process.
Qualifications Required Education
High School Diploma or equivalent.
Required Experience
1 or more years of recent residential mortgage lending experience to include experience in the local market.
1 or more years of proven ability to develop referral sources from contacts and relationships outside the organization.
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.
Pay Transparency This position is fully commissioned.
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.
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.
EEO Statement Fulton Bank ("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.
Sponsorship Statement 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.
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United States, Virginia, Richmond
Overview This is a remote, commissioned career opportunity that can be based out of
Hampton Roads
or
Central VA .
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.
Responsibilities
Develop and expand referral sources outside of Fulton Bank to solicit first mortgages and create a continual stream of origination volume. Maintain regular contact with Realtors in their offices and on site at open house events.
Meet with builders on job sites to discuss lending options related to clients they have building homes. Regularly seek opportunities to meet with developers. Participate in building and trade shows. Participate in mixers related to real estate where relationships can continue to be built and new ones can be developed. Maintain regular contact and meet with external centers of influence such as attorneys, accountants, and financial advisors.
Collect and analyze applicant's financial information to determine whether the applicant and the property qualify for a particular loan. Interview applicants and provide required information, including income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property and similar information. Identify customers' needs in conjunction with their financial situation and evaluate those needs in relation to available financial products. Recommend 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. Recommend terms and conditions of mortgage loans.
Engage in customer-specific persuasive sales activity to encourage potential customers to do business with Fulton Mortgage Company.
Perform work related to the loans the employee originates. Obtain and analyze pertinent financial and credit data. Follow current loans to ensure conformity with terms. Follow up with prospective customers via telephone and email communication. Complete paperwork related to the loans originated. Prepare materials needed to support loan activities. Attend company meetings as necessary. Ensure loan originations are in accordance with regulatory compliance. Ensure documentation is completed in accordance with regulatory compliance. Communicate with all applicable parties on an ongoing basis to ensure understanding of the mortgage lending process.
Qualifications Required Education
High School Diploma or equivalent.
Required Experience
1 or more years of recent residential mortgage lending experience to include experience in the local market.
1 or more years of proven ability to develop referral sources from contacts and relationships outside the organization.
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.
Pay Transparency This position is fully commissioned.
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.
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.
EEO Statement Fulton Bank ("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.
Sponsorship Statement 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.
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