Mortgage Loan Officer

Value Proposition

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 Hagerstown or Boonsboro, MD locations.

Solicits first mortgages through contacts with realtors, builders, 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 financial goals, including home ownership.

• Develop and expand referral sources in order to solicit first mortgages. Maintain regular contact with Realtors in their offices and at open‑house events. Meet with builders on job sites to discuss lending options related to clients who are building homes. Regularly seek opportunities to meet with developers. Participate in building and trade shows. Participate in mixers related to real estate where relationships can continue to build and new ones can be forged.
• Collect and analyze applicant’s financial information typically at one of the organization’s branch locations to assess the financial circumstances to determine whether the applicant and the property qualify for a particular loan. Interview 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. Identify customer’s needs in conjunction with the customer’s financial situation and evaluate those needs in relation to available financial products.
  
  Recommend the financial products which best meet the customer’s specific needs after advising the customer about the risks and benefits of the loan alternatives, including the options and advantages involved. Recommend terms and conditions of mortgage loans.
• Engage in customer‑specific persuasive sales activity to encourage potential customers to do business with the Company and cross‑promote other services and financial products of the Company to outside referral sources.
• Perform work related to the loans the employee originates. Obtain and analyze pertinent financial and credit data. Follow current loans to ensure conformity with terms. Follow up with customers and prospective customers via telephone and email communication. Complete paperwork related to the loans originated. Prepare materials needed to support employee’s loan activities. Attend company meetings as necessary. Ensure loan originations are in accordance with regulatory compliance.
  
  Ensure documentation is completed in accordance with regulatory compliance. Communicate with the customer throughout the process on an ongoing basis to ensure the customer understands the process.

Required Education

High School Diploma or equivalent.

Required Experience

1 or more years of recent residential mortgage lending experience to include experience in the local market. Experience in the Fulton Mortgage Company Associate Mortgage Loan Officer Program may be accepted in lieu of 1 year required residential mortgage lending experience.

1 or more years of proven ability to develop referral sources from contacts and relationships outside the organization.

This role may perform other job duties as assigned by the manager. 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 and for ensuring that all compliance training assignments are completed by established due dates. This includes, but is not limited to, understanding and…