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. We strive to promote a culture of work-life balance, to unplug and recharge to be your best self, at work and at home.
This is a full-time career opportunity based out of our Willow Street location in Lebanon, PA.
Embraces, promotes, and is accountable for delivering, Fulton Financial Corporation's superior customer service. Solicits first mortgages through contacts with realtors, builders, and developers. Works with customers and prospective customers to assist in identifying and securing a mortgage loan that is appropriate for their individual financial circumstances and goals.. This is an entry level role that combines formal classroom training, on-the-job training and mentorship over a twelve month period.
* Successfully completes all mortgage training required for this position. This includes in house classroom, on the job, external, and any state or national training necessary to earn and maintain mortgage lending authority. Over time, becomes a proficient on the various mortgage products offered and how they each best satisfy a customer's financial needs. Adheres to and fully comply with any and all policies and procedures related to internal and external rules and regulations. * Teams with a Mentor to execute assigned and self-created mortgage marketing plans to meet or exceed mortgage production goals. Develops and expands referral sources in order to solicit first mortgages. Establishes and 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 trade shows and events related to real estate where relationships can be built and those already established can continue to grow. * After necessary training, collects and analyzes applicant financial information to assess the financial circumstances and determine whether the applicant and the property qualify for a particular loan. Interviews applicants and provides required information for the mortgage product. This includes 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 product(s) 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 education and persuasive sales activity to encourage business with Company and cross promotes other services and financial products of Company to outside referral sources. * Performs work related to the loans the incumbent and/or Mentor 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 e-mail communication. Completes paperwork related to the loans originated. Prepares materials needed to support incumbent'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.
High School Diploma or equivalent experience.
1 or more years Prior experience and proven success in sales and client service preferably in a financial industry position. A Bachelor's degree or higher will be accepted in lieu of experience. (Required)
1 or more years Experience in residential lending with a solid knowledge of the local market and regulations. (Preferred)
1 or more years Excellent phone skills and ability to speak professionally with customers. Positive attitude and lots of energy. (Required)
1 or more years Possess solid interpersonal and negotiation skills. Organizational skills and effective time management are necessary in this semi-autonomous, fast paced environment. (Required)
Most be SAFE Mortgage Licensing Act compliant within 30 days of employment in this role, including new or transfer of registration, and applicable NMLS background check. (Required)
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.
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.
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.
Associated topics: counselor, loan officer, loan review, loan review officer, loan underwriter, mortgage, mortgage underwriter, personal banker iii, relationship, representative
* The salary listed in the header is an estimate based on salary data for similar jobs in the same area. Salary or compensation data found in the job description is accurate.