CRA Mortgage Loan Officer (Hybrid)
Company: Disability Solutions
Location: Richmond
Posted on: May 4, 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
based out of our Stony Point location in Richmond, VA. 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.Pay TransparencyTo provide
greater transparency to candidates, we share base salary ranges on
all job postings regardless of state. We set standard salary ranges
for our roles based on the position, function, and
responsibilities, as benchmarked against similarly sized companies
in our industry. Specific compensation offered will be determined
based on a combination of factors including the candidate's
knowledge, skills, depth of work experience, and relevant
licenses/credentials. The salary range may vary based on geographic
location.The hourly rate for this position is $28.85. Additional
Compensation Components This job is eligible to participate in an
incentive compensation plan subject to individual
performance.BenefitsAdditionally, as part of our Total Rewards
program, Fulton Bank offers a comprehensive benefits package to
those who qualify. This includes medical plans with prescription
drug coverage; flexible spending account or health savings account
depending on the medical plan chosen; dental and vision insurance;
life insurance; 401(k) program with employer match and Employee
Stock Purchase Plan; paid time off programs including holiday pay
and paid volunteer time; disability insurance coverage and
maternity and parental leave; adoption assistance; educational
assistance and a robust wellness program with financial incentives.
To learn more about your potential eligibility for these programs,
please visit .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.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. 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.
Keywords: Disability Solutions, Tuckahoe , CRA Mortgage Loan Officer (Hybrid), Other , Richmond, Virginia
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