Associate Mortgage Loan Officer

Associate Mortgage Loan Officer

Job Location s: US-VA-Charlottesville | US-VA-Richmond

Requisition :

Location Name:
Worth Park

County:
Albemarle

Position Type:
Full-Time

FLSA Status:
Non-Exempt

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

This is a full-time, commissioned career opportunity that can be hybrid based out of our Worth Park location in Charlottesville, VA or our Stony Point location in Richmond, VA
.

Embraces, promotes, and is accountable for delivering, Fulton Financial Corporation's exclusive customer service. Solicits first mortgages through contacts with realtors, builders, and developers. Works with customers and prospective customers to assist in identifying and securing a mortgage loan that is appropriate for their individual financial circumstances and goals. This is an entry level role that combines formal classroom training, on-the-job training, and mentorship from team members.

• 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 timetrying, 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 .
  
  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.

Education

High School Diploma or equivalent. (Required)

Experience

1 or more years prior experience and proven success in customer service or sales. (Required)

1 or more years prior experience in a financial industry position. (Preferred)

Certifications

Must obtain a NMLS registration upon hire, or transfer. (Required)

Knowledge, Skills, and Abilities

• Basic Microsoft skills - Outlook, Word, Excel (Required)
• Excellent communication skills and ability to have needs-based conversations (Required)
• Exceptional customer service skills (Required)

This role may perform other job duties as assigned by the manager. Each employee of the…