This is a remote, commissioned career opportunity based out of New Castle County or Kent County, DE. The Mortgage Loan Officer will work 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.
Requirements
- 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.
- 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.
- 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
- Employee Stock Purchase Plan
- Paid time off programs including holiday pay and paid volunteer time
- Disability insurance coverage
- Maternity and parental leave
- Adoption assistance
- Educational assistance
- Robust wellness program with financial incentives
