Senior Mortgage Loan Officer

Fulton Financial Corporation Frederick , MD 21705

Posted 2 months ago

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 Bank. 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, commissioned career opportunity that can be based out of any of the following locations: Herndon, VA; Columbia, MD; Baltimore, MD; Hagerstown, MD; Greenbelt, MD; Frederick, MD; Timonium, MD; Gaithersburg, MD; Severana Park, MD; Elkton, MD; Wilmington, DE or Georgetown, DE.

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

  • 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

Required Education:

High School Diploma or the equivalent

Preferred Education:

Bachelor Degree or equivalent experience.

Required Experience:

A minimum of 4 years recent, residential mortgage lending experience to include experience in the local market.

Incumbents will have established referral sources that are outside of branch referrals and provide a continual stream of loan originations.

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.

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.

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.

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.

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.



icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Mortgage Loan Originator

Hilltop Holdings

Posted 4 weeks ago

VIEW JOBS 12/22/2020 12:00:00 AM 2021-03-22T00:00 Under the direction of the Branch and/or Production Manager, performs office or nonmanual work directly related to the management or general business operations of PrimeLending and its customers and markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Essential Functions * Markets and promotes PrimeLending's financial products; * Originators are expected to meet the Company's minimum production standards of 3 funded units per month on an ongoing basis, by taking complete and accurate loan applications, using PrimeLending's product set. * Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. * Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. * Collects and analyzes information regarding the customer's income, assets, investments or debts. * Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. * Advises the customer regarding the advantages and disadvantages of different loan products. * Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. * Oversees the loan process by monitoring loan status and ensures conformity with terms. * Communicates loan status to all interested parties, and obtains loan documentation after closing. * Negotiates terms and conditions of loans with customers. * Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. * Maintains a professional image and adheres to standards consistent with company policies and procedures. * May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). * Other duties as assigned. Job Requirements * High school diploma or equivalent. * Appropriate licenses, if State required. * A minimum of 12 months loan originator experience required for Loan Originator; minimum of 5 years loan originator experience required for Senior Loan Originator. * Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. * Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. * Ability to quickly assess and process large amounts of data and use of appropriate * AU software technology. * Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. * Continue to expand knowledge of issues influencing the industry and the organization. * Valid driver's license and current automobile liability insurance. About the Company Ranked a Top 10 purchase lender in 2012, 2013, 2014 and 2015*, PrimeLending provides a wide array of loan products, including fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. We offer dependable service and stability coupled with speed and agility. Our exceptional customer service is powered by accelerated closing times. Hilltop Holdings Frederick MD

Senior Mortgage Loan Officer

Fulton Financial Corporation