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A significant amount of time will be spent building relationships and soliciting first mortgages with realtors, builders, accountants, lawyers, financial advisors and other referral sources to obtain mortgage loan applications. 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.

Value Proposition:
<p style="margin:0px">Our values define us and our <u><a href="https://www.fultonbank.com/About-Fulton-Bank/Careers/Culture" rel="noopener nofollow noreferrer" target="_blank">culture</a></u> inspires us to <u><a href="https://www.fultonbank.com/About-Fulton-Bank/Fulton-Forward" rel="noopener nofollow noreferrer" target="_blank">change lives for the better.</a></u> 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 <a href="https://www.fultonbank.com/About-Fulton-Bank/2021-Corporate-Social-Responsibility-Report" rel="noopener nofollow noreferrer" target="_blank">local communities.</a> We champion a culture of <a href="https://www.fultonbank.com/Education-Center" rel="noopener nofollow noreferrer" target="_blank">continuous learning,</a><a href="https://www.fultonbank.com/About-Fulton-Bank/Careers/Benefits-and-Wellness" rel="noopener nofollow noreferrer" target="_blank">work-life integration,</a> and <a href="https://www.fultonbank.com/About-Fulton-Bank/Careers/Inclusion-and-Belonging" rel="noopener nofollow noreferrer" target="_blank">inclusion.</a> We promote a digitally enabled work environment to continuously enhance the experience of our <a href="https://www.fultonbank.com/" rel="noopener nofollow noreferrer" target="_blank">employees and customers.</a></p>

Overview:
<p style="margin:0in;font-family:'calibri';font-size:11pt">This is a full-time, commissioned career opportunity that can be hybrid based out of our <strong>Lewisburg, PA</strong> location.</p><p style="margin:0px"> </p><p style="margin:0px">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. Requires to act on internal leads but to also cultivate external lead sources to generate origination of mortgage loans. A significant amount of time will be spent building relationships and soliciting first mortgages with realtors, builders, accountants, lawyers, financial advisors and other referral sources to obtain mortgage loan applications.</p><p style="margin-bottom:0in"> </p>

Responsibilities:
<ul><li>Develops and expands referral sources in order to solicit first mortgages and develops 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 build and new ones can be forged. Maintains regular contact and meets with centers of influence such as attorneys, accountants, lawyers and financial advisors.</li><li>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.</li><li>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.</li><li>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 customers and prospective customers via telephone and email communication. Completes paperwork related to the loans originated. Prepares materials needed to support employee’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.</li></ul><p style="margin:0px"> </p>

Qualifications:
<h4>Education</h4><p style="margin:0px">High School Diploma or equivalent. Specialty: Not applicable at this level. (Required)</p><h4>Experience</h4><p style="margin:0px">4 or more years Current residential mortgage lending. (Required)</p><p style="margin:0px"> </p><p style="margin:0px">4 or more years Incumbents will have established referral sources that are outside of branch referrals and provide a continual stream of loan originations. (Required)</p><p style="margin:0px"> </p><p style="margin:0px">4 or more years Proven ability to develop and maintain a significant amount of referral sources from contacts and relationships outside the organization. Other sources could be repeat customers, referrals from current clients. (Required)</p>

 Other Duties as Assigned by Manager:
<p style="margin:0px">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.</p>

Pay Transparency:
<p style="margin:0px">This position is fully commissioned.</p>

Benefits:
<p style="margin:0px">Additionally, 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 <a href="https://www.fultonbank.com/About-Fulton-Bank/Careers/Benefits-and-Wellness" rel="noopener nofollow noreferrer" target="_blank">Benefits & Wellness | Fulton Bank</a>.</p>

NMLS:
<p style="margin:0px">This 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.</p>

EEO Statement:
Fulton 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 Statement:
<p style="margin:0px">As 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.</p>

Fulton Bank

Senior Mortgage Loan Officer

Accounting

Analysis Skills

Construction

Contact Management

Documentation

Finance

Financial Analysis

Financial Services

Incentive Programs

Loan Conditions

Loan Origination

Loans

Maintain Compliance

Mortgage

Mortgage Lending

Needs Assessment

Persuasion Skills

Real Estate

Real Estate Sales

Regulatory Compliance

Residential Construction

Residential Mortgages

Risk Analysis

Sales

Sales Prospecting

Stock Purchase Plans

Trade Shows

[AW]-iCims

OTHER

The Full-Time LoanProcessor/Closer is responsible for performing a variety of duties to support the loan processing/closing function; preparing loan documents, reviewing documents for accuracy, onboarding loans; answering and directing phone calls, reporting pertinent information to the immediate supervisor. In addition, a minimum of two (2) years experience in a banking or related position, with a working knowledge of loans and documentation is preferred.

<div><div style="text-align:center"><strong>Full-Time Loan Processor-Closer</strong></div><br/><div><p>Are you looking for a career with a purpose in your local community? By working at your community bank, you will find a sense of purpose in your everyday job. At Journey Bank we strive to assist, all members of our community, on their financial journey. Journey Bank is a strong, independent community bank with 22 locations and 290 employees. </p><p>We are seeking a <strong>Full-Time</strong><strong>Loan Processor/Closer</strong>to join our team and work on-site at our Operations Center in Bloomsburg, PA. As part of the Loan Processing Department, this position reports to the AVP, Loan Processing Manager.</p>The <strong>Full-Time </strong><strong>Loan</strong><strong>Processor/Closer</strong> is responsible for performing a variety of duties to support the loan processing/closing function; preparing loan documents, reviewing documents for accuracy, onboarding loans; answering and directing phone calls, reporting pertinent information to the immediate supervisor.</div></div><div><br/><div>The ideal candidate will have a high school diploma or equivalent with a preference for advanced degree and/or specialized training in a business or financial field. In addition, a minimum of two (2) years experience in a banking or related position, with a working knowledge of loans and documentation is preferred.</div></div><div><br/><div>The selected candidate will perform a variety of duties to support the loan processing function, including but not limited to:</div></div><div><div>1. Order, process and review appraisals.</div></div><div><div>2. Types correspondence memos, forms, tables and reports. Utilizes word processing, spreadsheets and specialized departmental equipment/software to prepare documents as appropriate.</div></div><div><div>3. Process mortgage files to prepare to go to underwriting.</div></div><div><div>4. Contacts loan customers, insurance companies to request information.</div></div><div><div>5. Works closely with Originators and Underwriters in all aspects of the loan process and closings.</div></div><div><div>6. Understands and is familiar with all loan products and the documents specific to the products.</div></div><div><div>7. Provides information and assists in the preparation of various loan reports, HMDA reporting, etc.</div></div><div><div>8. Works closely with title agents and abstract companies to prepare closing documents.</div></div><div><div>9. Verifies completion of all loans being closed, have proper approvals and meet bank policy.</div></div><div><div>10. Schedules closings with attorneys and settlement agencies.</div></div><div><div>11. Reviews and updates secondary market automated underwriting reports.</div></div><div><div>12. Assembles files and sends to PHFA; follows up on any missing documentation with PHFA.</div></div><div><div>13. Places, directs and assists with internal and external telephone calls.</div></div><div><div>14. Cooperates with, participates in, and promotes the adherence to all internal policies, procedures, and practices in support of risk management and overall safety, soundness, and compliance with all regulatory requirements. This includes annual Bank Secrecy Act (BSA) training and complying with all BSA rules and regulations as they pertain to the job position within the Bank.</div></div><div><br/><div>Requirements: The selected candidate must have the ability to use a computer with Windows and Web-based software applications including Microsoft Word and Excel. Proficient reading and math skills are required, as well as excellent interpersonal and communication skills (both verbal and written). Candidates must have proficient typing skills with high attention to detail and accuracy; and a positive and professional mannerism. Preference for working knowledge of bank operating policies and procedures that impact consumer and mortgage loan document services.</div></div><div><br/><div>Work hours are Monday-Friday, 37.5 hours per week.</div></div><div><br/><div>We provide an excellent benefit package including 401(k) matching, stock purchase program, and paid holidays.</div></div><div><br/><div>Journey Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Journey Bank conducts full background checks and drug screenings for all new hires.</div></div><br/><p>All job offers are contingent upon results of a criminal record check, drug screening and credit check.</p>

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Senior Mortgage Loan Officer Fulton Bank

Loan Processor/Closer Journey Bank

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