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Senior Mortgage Loan Officer

Overview
This is a full-time, commission-based opportunity based out of our Galloway Township, NJ 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.
ResponsibilitiesEssential 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.
QualificationsQualifications:Education
Bachelor Degree or equivalent experience. (Preferred)
Experience
4 or more years Current residential mortgage lending. (Required)
4 or more years Incumbents will have established referral sources that are outside of branch referrals and provide a continual stream of loan originations. (Required)
4 or more years 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. (Required)
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.

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