Mortgage Loan Officer
Company: Disability Solutions
Posted on: February 11, 2024
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 commissioned career opportunity
that will be based of the Philadelphia, PA 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
- 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
EducationHigh School Diploma or equivalent. Required Experience1 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.
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 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.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. 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.
Keywords: Disability Solutions, Philadelphia , Mortgage Loan Officer, Other , Philadelphia, Pennsylvania
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