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Fulton Bank · 1 day ago

Mortgage Loan Officer

Rockville, MD

Full-time

Hybrid

Entry Level

1+ years exp

Fulton Bank is committed to making a positive impact in local communities and fostering a culture of continuous learning and inclusion. They are seeking a Mortgage Loan Officer who will solicit first mortgages, assist customers in identifying appropriate loan options, and develop referral sources to expand business opportunities.

BankingFinancial Services

No H1B

Hiring Manager

Lynn Rowell, PHR, SHRM-CP

Responsibilities

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

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