Fulton Bank · 11 hours ago
CRA Mortgage Loan Officer
Rockaway, NJ
Full-time
Hybrid
Entry, Mid Level
$27.07/hr - $45.10/hr
2+ years expFulton Bank is committed to making a positive impact in local communities through its employees. They are seeking a CRA Mortgage Loan Officer to originate qualifying mortgage loans, establish relationships with Realtors and Housing Authorities, and assist first-time homebuyers in securing appropriate mortgage loans.
BankingFinancial Services
No H1B
Responsibilities
Represent Fulton Mortgage Company as a Community Reinvestment Act Loan Officer in targeted territories
Originate Community Reinvestment Act qualifying mortgage loans
Establish and support relationships with Realtors and Housing Authorities
Plan, organize and speak at first time homebuyer seminars
Assist first time homebuyers with low to moderate income purchase homes
Solicit first mortgages through contacts with Realtors, Housing Authorities, 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 home ownership goals
Develops and expands referral sources in order to solicit first mortgages
Meet and Market local Realtors in order to establish relationships
Meet with Local Housing Authorities and speak and train first time homebuyers
Maintains regular contact with Realtors and Housing Authorities in their offices and on site at open houses and at first time homebuyer seminars and events
Regularly, seeks opportunities to meet with new Housing Agencies to discuss first time homebuyer programs
Participates in Community Reinvestment Act events, meetings and forums
Participates in mixers related to real estate where relationships can continue to build and new ones can be forged
Meet with Lenders Mortgage Insurance Borrowers to originate Community Reinvestment Act Mortgage Loans
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 incumbent 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 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
Qualification
Required
High School Diploma or equivalent
2 or more years recent residential mortgage lending in the local market
2 or more years experience in Sales and Marketing
2 or more years established relationships with realtors
1 or more years experience with Housing Authorities and First Time Homebuyer programs
Preferred
fluency in Spanish
Benefits
Medical plans with prescription drug coverage
Flexible spending account or health savings account depending on the medical plan chosen
Dental and vision insurance
Life insurance
401(k) program with employer match
Employee Stock Purchase Plan
Paid time off programs including holiday pay and paid volunteer time
Disability insurance coverage
Maternity and parental leave
Adoption assistance
Educational assistance
A robust wellness program with financial incentives
Company
Fulton Bank
Fulton Bank strive to have a better understanding of your financial goals, are a full-service commercial bank operating 250 branches.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mark DeGrandpre
VP, of Life Sciences and Technology
Atul Malhotra
Chief Risk Officer (CRO)
Recent News
2026-01-22
2025-12-18
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