CRA Mortgage Loan Officer (Hybrid)
Company: Disability Solutions
Location: Manville
Posted on: April 19, 2024
Job Description:
Value PropositionOur values define us and our inspires us to 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 We champion a culture of and We promote a
digitally enabled work environment to continuously enhance the
experience of our OverviewThis is a full-time career opportunity
that will cover our Northern and Central NJ markets with a focus on
Somerset and Middlesex counties. 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. Plan, organize and speak at first time
homebuyer seminars. Assist first time homebuyers with low to
moderate income purchase homes. 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.Responsibilities
- 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.
- Performs work related to the loans the incumbent originates.
Obtains and analyzes pertinent financial and credit data. Follows
current loans to ensure conformity with terms. Follows up with
customers and prospective customers via telephone and email
communication. Completes paperwork related to the loans originated.
Prepares materials needed to support incumbent's loan activities.
Attends company meetings as necessary. 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. QualificationsRequired
EducationHigh School Diploma or equivalentRequired Experience2 or
more years recent, residential mortgage lending experience2 or more
years experience in Sales and Marketing2 or more years established
relationships with realtors1 or more years experience with Housing
Authorities and First Time Homebuyer programsKnowledge, Skills and
AbilitiesFluency in Spanish (Preferred)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, 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.Sponsorship StatementAs 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.EEO StatementFulton 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. NMLSThis 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.
Keywords: Disability Solutions, Perth Amboy , CRA Mortgage Loan Officer (Hybrid), Other , Manville, New Jersey
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