Realtors/Mortgage Professionals

Community Reinvestment Act Loan Officer
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. 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.
This is a full-time, hybrid career opportunity based out of our Northern NJ market including Union, Essex and Passaic.
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.
Obtains and analyzes pertinent financial and credit data. Follows up with customers and prospective customers via telephone and email communication. Prepares materials needed to support incumbent's loan activities. 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.
High School Diploma or equivalent. (2 or more years recent residential mortgage lending in the local market. (2 or more years established relationships with realtors. (1 or more years experience with Housing Authorities and First Time Homebuyer programs. (fluency in Spanish (Preferred)

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.
Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The hourly rate for this position is $27.79 - $46.30. Additional Compensation Components This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.
Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes 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 and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.
This 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.
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.
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.