Mortgage Loan Officer (Hybrid)
Company: Disability Solutions
Location: Richmond
Posted on: October 19, 2024
Job Description:
Value PropositionOur values define us and our inspires us to Our
employees are the heart and soul of our company, and every success
we experience begins with them. Together we are committed to making
a positive impact in our We champion a culture of and We promote a
digitally enabled work environment to continuously enhance the
experience of our OverviewThis is a full-time, commissioned career
opportunity based out of our Richmond, VA market.Solicits first
mortgages through contacts with realtors, builders, and developers.
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.Responsibilities
- Develops and expands referral sources in order to solicit first
mortgages. 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.
- 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. QualificationsRequired
Education:High School Diploma or equivalent Required Experience:1
or more years Recent residential mortgage lending experience to
include experience in the local market. Experience in the Fulton
Mortgage Company Associate Mortgage Loan Officer Program may be
accepted in lieu of 1 year required residential mortgage lending
experience. 1 or more years Proven ability to develop referral
sources from contacts and relationships outside the organization.
Other Duties as Assigned by ManagerThis 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 TransparencyThis position
is fully commissioned.BenefitsAdditionally, 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. To learn more about your potential eligibility for
these programs, please visit .NMLSThis 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 StatementFulton 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 StatementAs 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.
Keywords: Disability Solutions, Hampton , Mortgage Loan Officer (Hybrid), Other , Richmond, Virginia
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