Mortgage Loan Officer

Mortgage Loan Officer

Job Location s: US-NJ-Manahawkin | US-NJ-Barnegat

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 Manahawkin or Barnegat, NJ 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 to solicit first mortgages. Maintain regular contact with realtors in their offices and on site at open house events. Meet with builders on job sites to discuss lending options related to clients they are building homes for. Regularly seek opportunities to meet with developers. Participate in building and trade shows and 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 and 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, liens, and characteristics of property and similar information. Identify customer needs in conjunction with customer 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 customer about 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 recent residential mortgage lending experience. 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 proven ability to develop referral sources from contacts and relationships outside the organization. Other sources could be repeat customers, referrals from current clients as well…