Responsibilities
- Spends 80% or more of working time outside of Fulton office locations building relationships and soliciting first mortgages with realtors, builders, accountants and other external referral sources to obtain mortgage loan applications.
- Requires employee to cultivate self-generated prospects to generate origination of mortgage loans.
- Develops and expands referral sources outside of Fulton Bank in order to solicit first mortgages and create a continual stream of origination volume.
- 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 and trade shows.
- Participates in mixers related to real estate where relationships can continue to be built and new ones can be developed.
- Maintains regular contact and meets with external centers of influence such as attorneys, accountants, and financial advisors.
- Collects and analyzes applicant’s financial information to determine whether the applicant and the property qualify for a particular loan.
- Interviews applicants and provides 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 customers to do business with Fulton Mortgage Company.
- Performs work related to the loans the employee originates.
- Obtains and analyzes pertinent financial and credit data.
- Follows current loans to ensure conformity with terms.
- Follows up with prospective customers via telephone and email communication.
- Completes paperwork related to the loans originated.
- Prepares materials needed to support 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 all applicable parties on an ongoing basis to ensure understanding of the mortgage lending process.
Work Arrangement
Remote (City/Region)
