Senior Mortgage Loan Officer - Outside Sales

Overview This is a remote, commissioned career opportunity that can be based out of Northern VA/DC/MD . Works with 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. Spends 80% or more of working time outside of Fulton office locations building relationships and soliciting first mortgages with realtors, builders, accountants and other external referral sources to obtain mortgage loan applications. Requires the employee to cultivate self-generated prospects to generate origination of mortgage loans. Responsibilities Develop and expand referral sources outside of Fulton Bank to solicit first mortgages and create a continual stream of origination volume. 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 are building homes. Regularly seeks opportunities to meet with developers. Participates in building and trade shows, mixers related to real estate, and other events where relationships can be built and new ones can be developed. Maintains contact with external centers of influence such as attorneys, accountants, and financial advisors. Collects and analyzes applicant’s financial information to determine whether the applicant and the property qualify for a particular loan. Interviews applicants and obtains required information, including income, assets, investments, debt, credit history, prior bankruptcies, judgments, liens, and characteristics of the property. Identifies customer needs in conjunction with financial situation and evaluates those needs against available financial products. Recommends the financial products that best meet the customer’s specific needs after advising them about the risks and benefits of the loan alternatives, including options and advantages involved. Recommends terms and conditions of mortgage loans. Engages in customer‑specific persuasive sales activity to encourage potential customers to do business with Fulton Mortgage Company. 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 prospective customers via telephone and email communication. Completes paperwork related to the loans originated. Prepares materials needed to support loan activities. Attends company meetings as necessary. Ensures loan originations are in accordance with regulatory compliance and that documentation is completed in accordance with regulatory compliance. Communicates with all applicable parties on an ongoing basis to ensure understanding of the mortgage lending process. Qualifications High School Diploma or equivalent. (Required) 4 or more years of recent residential mortgage lending experience, including local market experience. (Required) 4 or more years of proven ability to develop referral sources from contacts and relationships outside the organization. (Required) Other Duties As Assigned By Manager This role may perform other job duties as assigned by the manager. Each employee 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 ensuring that all compliance training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting the department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency This position is fully commissioned. Benefits Fulton Bank offers a comprehensive benefits package to those who qualify, including 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, and a robust wellness program with financial incentives. NMLS This position may require the incumbent to be registered in the Nationwide Mortgage Licensing System and Registry. Incumbents who are required to register will be notified in writing. EEO Statement Fulton 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. Sponsorship Statement As 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. #J-18808-Ljbffr Fulton Bank, N.A.