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CRA Mortgage Loan Officer (Fulton Financial Corporation)
Ref No.: 16-08148
Location: Virginia Beach, Virginia
This is a full-time position based out of our Bonney Road location in Virginia Beach, 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.
Essential Duties
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.
Candidate Education:
Bachelor's Degree or the equivalent required

Candidate Experience:
Minimum of 2 years of recent residential mortgage lending experience required.
Established relationships with Realtors preferred.
Experience with Housing Authorities and First Time Homebuyer programs preferred.
Sales and Marketing Background preferred.
Ability to speak English and Spanish (Bi-lingual) preferred.

Licenses and Certifications:
This position requires incumbent to be registered in the Nationwide Mortgage Licensing System and Registry.

Fulton Financial Corporation ( "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.

ControlID: 14.234.89 SHR