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Fulton Bank · 2 hours ago

Associate Mortgage Loan Officer

US-VA-Richmond

Full-time

Hybrid

Entry Level

1+ years exp

Fulton Bank is committed to making a positive impact in local communities, and they are seeking an Associate Mortgage Loan Officer. This role involves soliciting first mortgages, assisting customers with loan options, and developing referral sources under the guidance of experienced team members.

BankingFinancial Services

No H1B

Responsibilities

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. Adhere to and fully comply with any and all policies and procedures related to internal and external rules and regulations

Under the guidance of more experienced team members and/or management, 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

Qualification

NMLS registrationCustomer service experienceSales experienceMicrosoft OutlookMicrosoft WordMicrosoft ExcelCustomer educationCommunication skillsPersuasive skills