Loan Setup Specialist
Loan specialist job in Wayne, PA
Headquartered in the Washington, D.C. suburb of Woodbridge, VA., and licensed to operate in 40 states, J.G. Wentworth Home Lending (JGWHL) has built its success over the past 15 years in originating Conventional, VA, and FHA loans. Known for its outstanding reputation and commitment to excellence, JGWHL has earned several prestigious awards, including Costco Mortgage Services' 2013 Operational Excellence Award and 2014 Lender of the Year Award. Based on an independent analysis conducted by consumer finance site LendingTree.com, JGWHL has a 95% consumer satisfaction rating, among the highest in the industry.
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Job Description
We are looking for a Loan Setup Specialist who has a strong desire to challenge oneself in a fast-paced and high energy atmosphere. This person will be reporting to the VP of Operations and is associated with back-end processing of residential mortgage loans.
The responsibilities of this position is as follows:
• Finalize and send mortgage disclosures
• Order appraisals and title work
• Request FHA and VA case numbers
• Request VA Certificate of Eligibility
• Request 4506t Tax transcripts; correct all rejections and reorder
• Request verification of employment on all loans
• Complete Inquiry Letters
• Request certifications and insurance documentation
• Request home insurance policy updates and payoffs at processor request
• Work directly with loan origination system (Encompass)
• Perform other related duties as requested
Qualifications
• One year customer service experience preferred with increased responsibility throughout experience
• Must be able to type 40 wpm and have strong technical knowledge
• Ability to work independently and seek and use guidance appropriately
• Multitasked with attention to detail and is multitasked.
• Excellent communication skills, both written and verbal
Education:
• High School Diploma/GED
• College Degree Preferred
Benefits:
J.G. Wentworth Home Lending, LLC provides tools and resources to help you balance your work and life needs through the following benefits:
• Medical, Dental and Vision Plans
• Retirement Plan 401k with matching
• Life Insurance, Hospital Insurance
• Short-term and Long-term Disability Insurance
• Employee Wellness Program
• Employee Assistance Program (EAP)
Additional Information
For more than 20 years, The J.G. Wentworth Company , through its affiliates and subsidiaries, has provided individuals the flexible options they need to respond to life's changing needs. Today, The J.G. Wentworth Company is a diversified company focused on providing direct-to-consumer solutions to financial needs through a variety of offerings, including: home lending and refinancing, structured settlement, annuity and lottery payment purchasing, access to personal loans, and prepaid cards. Our seasoned management team has developed a category-leading marketing, operations, customer service and funding infrastructure that has allowed us to achieve efficiency and economies of scale necessary for future growth.
We'd love to consider you for our growing team of talent and invite you to complete an application for our current open positions. EOE/V/D
Consumer Loan Specialist - *Sign-On Bonus*
Loan specialist job in Lancaster, PA
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Loan Policy Management Specialist
Loan specialist job in Lancaster, PA
Value Proposition
Our values define us and our culture inspires us to change lives for the better. 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 local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.
Overview
This is a full-time career opportunity that can be remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA.
The Specialist - Loan Policy Management is responsible for the development, implementation, maintenance, and oversight of the organization's loan policies and procedures. This role ensures that lending activities are conducted in a safe and sound manner, adhering to regulatory requirements and aligning with the organization's risk appetite and strategic objectives, and will collaborate with various stakeholders, including lending teams, compliance, legal, and senior leadership.
Responsibilities
Develop, implement, and regularly review loan policies and procedures covering all lending areas (e.g., consumer, commercial, real estate, etc.). Ensure policies are comprehensive, clearly written, and address all relevant risk factors. Maintain an up-to-date policy manual.
Stay abreast of current and evolving lending regulations (e.g., Reg B, Reg Z, HMDA, etc.) and incorporate necessary changes into loan policies and procedures to ensure compliance. Collaborate with the Compliance department on regulatory exams and audits.
Conduct periodic risk assessments of the loan portfolio and identify potential areas of weakness. Develop and implement strategies to mitigate identified risks through policy adjustments and process improvements.
Develop and deliver training programs to lending staff on loan policies, procedures, and regulatory requirements. Communicate policy changes and updates effectively to all relevant stakeholders.
Establish and maintain a loan review process to assess loan quality and adherence to policies. Monitor key loan portfolio metrics and identify trends that may indicate emerging risks. Report findings to senior leadership.
Work closely with lending teams, credit administration, legal, and compliance to ensure alignment on lending practices and risk management strategies. Participate in loan committees and other relevant meetings.
Research and stay informed about industry best practices in loan policy and risk management. Recommend and implement changes to policies and procedures to incorporate best practices.
Prepare regular reports on loan portfolio performance, policy compliance, and risk trends for senior leadership and the board of directors.
Participate in special projects related to lending, risk management, and strategic initiatives.
Qualifications Education
Bachelor's Degree or the equivalent experience. Specialty: finance, business administration, economics, or a related field. (Required)
Experience
7 or more years banking and/or finance regulatory and risk management experience. (Required)
5 or more years commercial and retail loan experience. (Required)
1 or more years of presentation experience. (Required)
5 or more years Commercial and retail lending experience. (Preferred)
2 or more years compliance and/or audit experience. (Preferred)
Other Duties as Assigned by Manager
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 Transparency
To 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 salary range for this position is $88,500.00 - $147,600.00 annually.
Additional Compensation Components
This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.
Benefits
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 Benefits & Wellness | Fulton Bank.
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
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.
Auto-ApplyLoan Servicing Representative
Loan specialist job in Lancaster, PA
Plays a critical part in ensuring the efficient processing of loans, including handling new and closed loan files, facilitating communication with members, and providing administrative support for various loan and escrow-related tasks. Possesses expertise in vehicle title management and is highly skilled in tracking, processing, and ensuring the accuracy of loan-related documentation.
RESPONSIBILITIES AND DUTIES
Efficiently process new and closed loan files, ensuring accurate documentation, including the recording and satisfaction of mortgages and vehicle title work.
Serve as the primary expert for vehicle title-related processes, including title tracking, coordinating communication with loan officer and members to resolve any issues, and assisting with adding liens to titles when necessary.
Administer the tracking and facilitation of insurance requirements for both vehicle and real estate loans, ensuring compliance with credit union policies.
Accurately process complex loan payments, ensuring proper application of funds and timely updates to member accounts.
Book and fund real estate loans, ensuring all necessary documentation and approvals are in place.
Manage incoming payoffs and provide accurate payoff quotes for members, ensuring that all necessary details are included.
Prepare and mail various notices to members related to their loans.
Conduct account research to resolve loan-related issues, ensuring accuracy and making necessary corrections to account information as needed.
Provide support to loan officers and assist members with loan-related inquiries and processes professionally and courteously.
Serve as the backup for the escrow processor, ensuring continuity of service in their absence.
Perform a quality control review on a random sampling of loans to ensure compliance with credit union policies, accuracy of documentation, and underwriting standards.
Generate and distribute various loan-related reports as needed, ensuring timely and accurate delivery to appropriate team members and departments.
Perform other duties and special projects as assigned to support the credit union's lending operations.
QUALIFICATIONS
Education:
High school diploma or equivalent (Associate's or Bachelor's degree in a related field preferred)
Experience:
Prior experience in loan servicing or a similar role, preferably within a credit union or financial institution
Skills and Abilities:
Strong understanding of vehicle title work, mortgages, insurance tracking, and loan servicing
Excellent attention to detail, organization, and time management skills
Strong communication skills, both written and verbal, with the ability to explain complex information to members and colleagues
Proficiency in using loan servicing software and other related systems
Ability to work independently, as well as part of a team, to achieve departmental goals
SUPERVISORY RESPONSIBILITIES: None
SCHEDULE: Full-time
Auto-ApplyLoan Officer
Loan specialist job in Reading, PA
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Commercial Loan Analyst / Underwriter
Loan specialist job in Reading, PA
UTILITIES EMPLOYEES CREDIT UNION
Commercial Loan Analyst / Commercial Loan Underwriter
Hours: 8am to 5pm Monday - Friday
This position requires a HYBRID work schedule and will train on site for a probationary period of time.
Exempt
Position Summary
This individual is responsible for evaluating, underwriting, and analyzing commercial loan applications and participation loan purchases to ensure sound credit decisions that align with the Credit Union's risk appetite and regulatory requirements. This role involves assessing financial statements, tax returns, and collateral, preparing credit memos, and recommending approval or denial of loan requests. The position supports business lending growth while maintaining portfolio quality and compliance with all applicable laws and regulations. This position will also support the department in coordinating and analyzing annual loan reviews for the existing commercial portfolio, as well as work with the Credit Union's third-party business loan servicer.
Knowledge of commercial lending regulations and compliance requirements.
Experience: We are seeking a minimum of four years prior lending experience with knowledge and/or exposure in the areas of business lending, loan participation, consumer, real estate, vehicle and personal lending at a bank, credit union or other comparable financial institution being preferred.
Full Job Description available upon request.
Note: Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.
Offers of employment are contingent upon passing pre-employment screenings which consist of drug test, background check, and credit check.
Loan Servicing Specialist
Loan specialist job in Fleetwood, PA
Fleetwood Bank, the only independent community bank headquartered in Berks County is currently seeking a full-time Loan Servicing Specialist. In this role, the LSS will provide outstanding internal and external customer service in a team-oriented atmosphere. The selected candidate will serve as a knowledge expert in the consumer mortgage and commercial lending areas.
Join the Fleetwood Bank team and thrive in an environment where hospitality and community impact are at the core of what we do!
Work hours are Monday - Friday 8:00am - 5:00pm
Responsibilities :
Reviews and inputs new and existing loan files to include proper documentation and completeness, prepares information to be entered, inputs loan on core software, notes any documentation deficiencies and problems that need to be researched, and does all initial transactions, including the initial advance, escrow funding, and payment of fees.
Answers internal and external phone calls to the Loan Operations area with outstanding customer service; responds to internal and external email requests. Performs research to resolve customer issues and inquiries; makes corrections and adjustments as necessary.
Prepares correspondence to customers, attorneys, tax collectors, title & settlement companies, and other financial institutions.
Pulls, prepares, reviews and acts on multiple daily and monthly reports.
Performs quality control reviews of booked loans put on the system and scans into document archives.
Establishes escrow accounts on loans for payment of county and school taxes, insurance (hazard, flood) and/or Private Mortgage Insurance (PMI).
Perform initial file reviews to include confirming the file was scanned, agreements were executed, manage collateral tracking and send to applicable stakeholders, check for insurance and flood, etc.
Assists Loan Compliance area with delinquent loan collections. Work with loan officers and delinquent borrowers for resolution by contacting borrowers and preparing letters. If warranted, works within the system and with legal counsel, up to and including, foreclosure on the collateral.
Assists with monitoring and tracking of all the Bank's collateral being held on all loans, to include, but not limited to: mortgages, vehicle titles, Uniform Commercial Code financing statements (UCCs), assignments of life insurance, assignments of leases.
Assists and resolves e-Oscar credit bureau reporting disputes within the designated timeframe, working with the departments involved to effect resolution.
Other duties as assigned.
Qualifications:
High School Diploma or equivalent
A minimum of 2 years banking and customer service experience
Experience in bank lending preferred
PC Skills including Microsoft Word, Excel, Outlook, and various web browsers
Must be detail oriented and highly organized.
Excellent Benefit Package, including company paid health insurance and generous and Paid Time Off (PTO)
All job offers are contingent upon completion of a criminal background check.
Loan Officer Outside Sales
Loan specialist job in Lititz, PA
- Responsibilities/Duties/Functions/Tasks
The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.
Originates their own sales by contacting prospective clients,
· Develops and maintains referral sources,
· Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans,
· Meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations,
· Meets with clients in person to sell mortgage loan products/packages,
· Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts,
· Obtains credit information and necessary documentation for application process,
· In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads,
· Engages in marketing and promotional activities in support of their own sales,
· Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
· Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
· Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
· Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions
· Carries out major assignments affecting business operations of the employer or the employer's customers through:
collecting and analyzing information regarding the customer's income, assets, investments, or debts
analyzing applicant data, credit and collateral property value
determining which financial products best meet the customer's needs and financial circumstances
providing advice to the customer regarding the advantages and disadvantages of available financial products
marketing, servicing, or promoting the employer's financial products
· Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
· Provides origination services in the state of licensure
· Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
· Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings
Qualifications
· Sales experience in the mortgage industry is preferred
· Familiarity with mortgage processes, procedures, rules, regulations, and compliance
· Exceptional customer service skills with a strong attention to detail
· Excellent written and verbal communication skills
· Strong computer skills to include a working knowledge of MS Office
· Ability to comprehend and analyze financial information
· Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
· Established contact and referral list within the real estate and mortgage industries preferred
· Ability to pass a required background check
Company Conformance Statement
In the performance of assigned tasks and duties all employees are expected to conform to the following:
Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.
Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
Ensure every action and decision is aligned with PRMI values.
Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.
Realize team synergies through networking and partnerships across PRMI.
Embrace change; act as advocate and role model, promoting an approach of continuous improvement.
Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
Work effectively as a team contributor on all assignments.
Perform quality work within deadlines.
Respect client and employee privacy.
Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the bi-annual certification process
Work Requirements
Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Sr. Residential Mortgage Loan Coordinator
Loan specialist job in Ephrata, PA
Under the direction of the Residential Lending Processing and Closing Manager, this position is responsible for delivering loans on the secondary market and managing Third Party Originations. This position will proactively support residential lending activities and goals, ensure the quality of loan opening and post-closing, service standards agreements, and ensures all residential lending mortgage policies and procedures are adhered to and compliant with state and federal lending laws.
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Deliver closed loan files to secondary market investors, clear any exceptions/stipulations to assure timely purchase.
Pay Guarantee fee/UFMIP/Funding fee and obtain Loan Note Guarantee/Mortgage Insurance Certificate/Loan Guarantee Certificate on government loans.
Fulfill Quality Control requests from investors, mortgage insurance companies, auditors; respond to any findings.
Act as liaison for Third Party Originators (TPO) and administer support for TPO Connect; Oversee all facets of incoming TPO loans including systems maintenance, note certification and review of closed loans for purchase, prepare and issue credit memos and purchase advices.
Generate various daily, weekly and monthly reports.
Process Loan Modification Agreements.
Prepare updated aggregate escrow disclosures for Loan Operations.
Process administration for HELOC and other applicable consumer products.
Monitor mortgage pipeline to ensure key dates are met and loans are opened and post-closed in a timely manner which meets service standards and quality expectations.
Provide second level escalation support for Residential Lending Loan Coordinators to promptly and proactively respond to questions, concerns and issues as they may arise.
Process mail and eFaxes, order office supplies for Residential Lending Operations Department.
Develop new and update current procedures to improve efficiency and ensure quality within the Residential Lending Loan Coordinator function.
Collaborate and work effectively with other members of the management team, members of the Residential Lending Operations Team and other ENB employees.
Maintain professional level knowledge of legal requirements and state and federal regulations that impact mortgage operations and functional responsibilities.
Required Education and Experience:
High school graduate or its equivalency required. Bachelor's degree from an accredited college preferred
Two to three years of mortgage industry experience required
Sound judgment and problem solving abilities
Superior verbal and written communication skills
Experience working with various investors and agencies including FNMA, FHLB, FHA, USDA and VA preferred
Ability to effectively prioritize and handle a number of demanding projects simultaneously
Must be able to maintain confidentiality and possess excellent communication skills
Familiar with various bank systems - document imaging and core system
Proficiency in Microsoft Outlook, Word, and Excel
Competencies:
ENB Operational and Functional Competencies
Supervisory Requirements:
This position has no direct supervisory responsibilities.
Work Environment:
This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.
Physical Demands:
Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.
Position Type and Expected Hours of Work:
This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.
Travel:
No travel is required for this position.
EEO Statement:
Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer.
It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.
This reflects management's assignment of essential functions and position responsibilities. Nothing in this job description restricts management's rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank's procedures and to act as a role model in the adherence to bank polices.
Auto-ApplyLoan Servicing Representative I
Loan specialist job in Phoenixville, PA
Department: Loan Servicing I
Reports to: Loan Servicing Manager
Summary: Join our community-focused bank as a Loan Servicing Representative, where you will play a vital role in maintaining strong relationships with our customers by providing exceptional service and support throughout the loan lifecycle. This is an excellent opportunity for a detail-oriented professional passionate about banking and customer service to contribute to a trusted financial institution committed to community growth and financial well-being.
Requirements
Key Responsibilities:
• Manage and process loan payments, escrow accounts, and other related transactions accurately and efficiently
• Respond to customer inquiries regarding loan accounts, payment schedules, and account status via phone, email, or in person
• Ensure compliance with banking policies, procedures, and regulatory requirements in all loan servicing activities
• Maintain detailed and organized records of loan transactions and customer interactions
• Collaborate with loan officers and other banking staff to resolve customer issues and facilitate loan modifications or adjustments
• Monitor loan accounts for delinquencies and coordinate with customers to develop repayment plans when necessary
• Assist in the preparation of loan documentation and reports for internal and external audits
• Assist with front-desk coverage as assigned, including answering phones and greeting visitors
Skills & Qualifications:
• High school diploma or equivalent; associate's or bachelor's degree in finance, business, or related field preferred
• Previous experience in loan servicing, banking, or customer service is highly desirable
• Strong attention to detail and organizational skills
• Excellent communication and interpersonal skills
• Knowledge of loan products, banking regulations, and compliance standards
• Proficiency in banking software and Microsoft Office Suite
• Must be able to maintain the highest level of confidentiality; ability to handle sensitive material concerning the Company and borrowers
Work Environment:
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands:
This is largely a sedentary role. This position frequently communicates with customers, coworkers, managers. Must be able to exchange accurate information in these situations requirements listed below are representative of the knowledge, skills, and/or abilities required for this position.
Mortgage Loan Officer
Loan specialist job in Allentown, PA
Summit Funding, Inc is one of the oldest still privately owned top 50 national mortgage lenders. When Todd Scrima, our owner and CEO, founded our company in 1995 his dream was not to be the biggest, but to strive to be the best. Our growth mindset, positive culture, and history of stability are just a few things that position our company as a leader in the mortgage industry.
Benefits and Perks:
We offer a competitive compensation structure
Professional and financial growth through building teams
Professional Coaching and mentoring
Full benefits including 401K with match
Top Producers are annually invited to Leaders Club (an all-inclusive 5-star vacation)
Job Description
Summit Funding is expanding in Pennsylvania! We are now hiring for experienced and growth-minded Loan Officers in the Allentown area.
At the core of Summit Funding's values is a partnership. We partner with communities, our home buyers, our referral partners, and our employees, and we'd love to explore partnering with you as a celebrated addition to our team of successful Mortgage Loan Officers.
The strength and success of our partnerships are evidenced in our ranking year after year as a top 50 national mortgage lender. It is our job to make sure you succeed. You will have direct access to Leadership, highly skilled trainers, coaching, a cutting-edge marketing team, top-of-the-line technology and recruiting support, in-house processing, superior underwriting, and closing teams along with additional knowledgeable support staff to help you grow your business.
What our Loan Officers are responsible for:
Developing long-term relationships with realtors, homebuilders, and other self-generated purchase-focused referral sources through daily, weekly, and monthly touches.
Serving borrowers as the subject matter expert on the mortgage process and product knowledge.
Originating and closing residential home loans.
Depending on experience and location Summit Funding Loan Officers are paid minimum wage as a factor of commissions on the loans originated and closed. Summit Funding's compensation structure provides you the opportunity to earn based on your performance.
Qualifications
Currently producing Mortgage Loan Originators with stable work history.
Closing 1 residential home loan a month on average.
Must be currently licensed with NMLS.
An established referral database for sourcing your own purchase leads.
Additional Information
All your information will be kept confidential according to EEO guidelines.
Mortgage Loan Officer - Mount Lebanon, PA
Loan specialist job in Lebanon, PA
The Mortgage Loan Officer position provides Simply the Best customer service to each customer at all times. Responsibilities include using internal and external referral sources to develop mortgage loan business; builds and maintains business relationships within the community.
Duties & Responsibilities:
+ Develops new and expands internal and external referral sources to grow mortgage business
+ Using consultative selling techniques, advises clients on mortgage loan options and other financial products.
+ Provides excellent customer service from approval through closing, working closely with loan origination sources to secure and verify all information required for underwriting.
+ Responsible for maintaining client relationships.
+ Advises customers on the completion of loan applications.
+ Performs other duties as assigned.
Basic Qualifications:
+ High school diploma or GED
+ One or more years of mortgage loan origination experience, preferably at a bank
+ NMLS license
Preferred Qualifications:
+ Pipeline and book of business
+ Bachelor's degree preferred
+ Knowledge of mortgage loan products (conventional, FHA/VA, construction lending and portfolio programs)
+ Knowledge of mortgage procedures, documentation, and underwriting guidelines
+ Demonstrated ability to identify opportunities to cross-sell financial products and services
+ Effective written and verbal communication skills
+ Strong organizational skills -Ability to multi-task
+ PC - Internet skill
#LI-NA1
Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
No
Workplace Type:
Office
Our Approach to Office Workplace Type
Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.
Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis.
Huntington is an Equal Opportunity Employer.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.
Loan Officer
Loan specialist job in Douglassville, PA
PRMG is Built by Originators for Originators. There is a reason why PRMG is consistently voted one of the best places to work. We focus on the areas that make an Originator successful and have an unmatched Culture. We look forward to helping you succeed as an Originator.
PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG's Internal and External Job Portal to request a transfer to a different department or position.
Responsibilities
Essential Job Functions:
Organization: Develops and implements strategies, satisfying customer needs through a full array of products and services.
Coordination: Uses judgment and discretion to ensure uninterrupted flow of business.
Communication: Communicates well verbally and in writing with co-workers and customers acting as liaison between customer and Company's internal departments to ensure cohesive business flow.
Equipment: Uses such office equipment as computer terminals, copiers, and FAX machines.
Physical: Sits and stands for extended time periods. Hearing and vision within normal ranges. Must devote substantially more than 50 percent of working hours
outside
of any Company office, home office, and any other fixed site, meeting with customers and potential customers seeking residential mortgage financing.
Responsibilities:
Verifies, compiles, and inputs application information for mortgage loans.
Discuss and advise the client of their home loan options.
Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for, including but not limited to borrower assets, liabilities, and length of employment.
Informs supervisor of discrepancies in title or survey.
Performs other related duties as assigned.
Current, valid NMLS license or appointment in good standing.
Qualifications
Must have applicable state licensing.
Two to five years' experience are preferred.
Must also meet one of the following 3 options:
Actively funding more than 2 loans/month, or
Xinnix Training completion for Loan Origination required, or
Origination mentor assigned to new Loan Officer by branch who funds more than 2 loans/month (see PRMG Loan Officer Mentor Agreement).
Skills:
Ability to make sound judgments on the resolution of service, credit decision, funding, and post-close issues.
Ability to problem-solve and exercise independent judgment while displaying a high degree of initiative.
Ability to handle detailed assignments and maintain confidentiality.
Excellent communication and interpersonal skills.
Organizational skills necessary to prioritize workload and delegate responsibility.
Travel:
May be required.
Min USD $0.00/Yr. Max USD $250,000.00/Yr.
Auto-ApplyLoan Setup Specialist
Loan specialist job in Wayne, PA
Headquartered in the Washington, D.C. suburb of Woodbridge, VA., and licensed to operate in 40 states, J.G. Wentworth Home Lending (JGWHL) has built its success over the past 15 years in originating Conventional, VA, and FHA loans. Known for its outstanding reputation and commitment to excellence, JGWHL has earned several prestigious awards, including Costco Mortgage Services' 2013 Operational Excellence Award and 2014 Lender of the Year Award. Based on an independent analysis conducted by consumer finance site LendingTree.com, JGWHL has a 95% consumer satisfaction rating, among the highest in the industry.
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Job Description
We are looking for a
Loan Setup Specialist
who has a strong desire to challenge oneself in a fast-paced and high energy atmosphere. This person will be reporting to the VP of Operations and is associated with back-end processing of residential mortgage loans.
The responsibilities of this position is as follows:
• Finalize and send mortgage disclosures
• Order appraisals and title work
• Request FHA and VA case numbers
• Request VA Certificate of Eligibility
• Request 4506t Tax transcripts; correct all rejections and reorder
• Request verification of employment on all loans
• Complete Inquiry Letters
• Request certifications and insurance documentation
• Request home insurance policy updates and payoffs at processor request
• Work directly with loan origination system (Encompass)
• Perform other related duties as requested
Qualifications
• One year customer service experience preferred with increased responsibility throughout experience
• Must be able to type 40 wpm and have strong technical knowledge
• Ability to work independently and seek and use guidance appropriately
• Multitasked with attention to detail and is multitasked.
• Excellent communication skills, both written and verbal
Education:
• High School Diploma/GED
• College Degree Preferred
Benefits:
J.G. Wentworth Home Lending, LLC provides tools and resources to help you balance your work and life needs through the following benefits:
• Medical, Dental and Vision Plans
• Retirement Plan 401k with matching
• Life Insurance, Hospital Insurance
• Short-term and Long-term Disability Insurance
• Employee Wellness Program
• Employee Assistance Program (EAP)
Additional Information
For more than 20 years, The J.G. Wentworth Company , through its affiliates and subsidiaries, has provided individuals the flexible options they need to respond to life's changing needs. Today, The J.G. Wentworth Company is a diversified company focused on providing direct-to-consumer solutions to financial needs through a variety of offerings, including: home lending and refinancing, structured settlement, annuity and lottery payment purchasing, access to personal loans, and prepaid cards. Our seasoned management team has developed a category-leading marketing, operations, customer service and funding infrastructure that has allowed us to achieve efficiency and economies of scale necessary for future growth.
We'd love to consider you for our growing team of talent and invite you to complete an application for our current open positions. EOE/V/D
Bilingual Residential Mortgage Loan Processor
Loan specialist job in Lancaster, PA
Value Proposition
Our values define us and our culture inspires us to change lives for the better. 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 local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.
Overview
This is a full-time career opportunity that can be remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA.
The primary responsibility of this position is to collect, assemble, validate and submit residential mortgage loan documentation through established systems while supporting Mortgage Loan Officers, customers and realtors. Incumbents in this position will execute assignments of the highest degree of scope and complexity relative to assignments of entry and core level positions and will mentor junior staff.
The role requires fluency in the Spanish language; must be able to read, write and speak the language.
Responsibilities
Process residential mortgage loan types of the highest complexity level relative to assignments of junior staff that may include conforming conventional, non-conforming, government and housing agency loans, analyze for completeness while adhering to appropriate investor guidelines and coordinate timely submission to underwriting and closing
Review, evaluate and determine debt-to-income and loan-to-value limitations, research and document source of large deposits and ensure loan meets investor and/or product guidelines and/or requirements
Serve as point of contact for customers, resolve questions or concerns, confirm required documentation and analyze file for completeness, compliance and adherence to standard mortgage regulations, underwriting and investor guidelines, communicate underwriting decisions and issue commitment letters
Serve as liaison between Loan Officers and Underwriters, track monthly closings to meet sales, customer and regulatory expectations for loan events and ensure data for Home Mortgage Disclosure Act (HMDA) reporting is complete and accurate
Provide accurate and timely coordination of redisclosures including but not limited to loan estimate as necessary
Qualifications Education
High School Diploma or equivalent. (Required)
Experience
5 or more years Residential mortgage banking experience, including processing and/or underwriting. (Required)
Other Duties as Assigned by Manager
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 Transparency
To 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 $21.59 - $35.96.
Additional Compensation Components
This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.
Benefits
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 Benefits & Wellness | Fulton Bank.
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
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.
Auto-ApplyLoan Officer
Loan specialist job in Allentown, PA
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Sr. Residential Mortgage Loan Coordinator
Loan specialist job in Ephrata, PA
Summary: Under the direction of the Residential Lending Processing and Closing Manager, this position is responsible for delivering loans on the secondary market and managing Third Party Originations. This position will proactively support residential lending activities and goals, ensure the quality of loan opening and post-closing, service standards agreements, and ensures all residential lending mortgage policies and procedures are adhered to and compliant with state and federal lending laws.
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Deliver closed loan files to secondary market investors, clear any exceptions/stipulations to assure timely purchase.
Pay Guarantee fee/UFMIP/Funding fee and obtain Loan Note Guarantee/Mortgage Insurance Certificate/Loan Guarantee Certificate on government loans.
Fulfill Quality Control requests from investors, mortgage insurance companies, auditors; respond to any findings.
Act as liaison for Third Party Originators (TPO) and administer support for TPO Connect; Oversee all facets of incoming TPO loans including systems maintenance, note certification and review of closed loans for purchase, prepare and issue credit memos and purchase advices.
Generate various daily, weekly and monthly reports.
Process Loan Modification Agreements.
Prepare updated aggregate escrow disclosures for Loan Operations.
Process administration for HELOC and other applicable consumer products.
Monitor mortgage pipeline to ensure key dates are met and loans are opened and post-closed in a timely manner which meets service standards and quality expectations.
Provide second level escalation support for Residential Lending Loan Coordinators to promptly and proactively respond to questions, concerns and issues as they may arise.
Process mail and eFaxes, order office supplies for Residential Lending Operations Department.
Develop new and update current procedures to improve efficiency and ensure quality within the Residential Lending Loan Coordinator function.
Collaborate and work effectively with other members of the management team, members of the Residential Lending Operations Team and other ENB employees.
Maintain professional level knowledge of legal requirements and state and federal regulations that impact mortgage operations and functional responsibilities.
Required Education and Experience:
High school graduate or its equivalency required. Bachelor's degree from an accredited college preferred
Two to three years of mortgage industry experience required
Sound judgment and problem solving abilities
Superior verbal and written communication skills
Experience working with various investors and agencies including FNMA, FHLB, FHA, USDA and VA preferred
Ability to effectively prioritize and handle a number of demanding projects simultaneously
Must be able to maintain confidentiality and possess excellent communication skills
Familiar with various bank systems - document imaging and core system
Proficiency in Microsoft Outlook, Word, and Excel
Competencies:
ENB Operational and Functional Competencies
Supervisory Requirements:
This position has no direct supervisory responsibilities.
Work Environment:
This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.
Physical Demands:
Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers. Position Type and Expected Hours of Work:
This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.
Travel:
No travel is required for this position. EEO Statement:
Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.
This reflects management's assignment of essential functions and position responsibilities. Nothing in this job description restricts management's rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank's procedures and to act as a role model in the adherence to bank polices.
Auto-ApplyLoan Servicing Representative I
Loan specialist job in Phoenixville, PA
Job DescriptionDescription:
Department: Loan Servicing I
Reports to: Loan Servicing Manager
Summary: Join our community-focused bank as a Loan Servicing Representative, where you will play a vital role in maintaining strong relationships with our customers by providing exceptional service and support throughout the loan lifecycle. This is an excellent opportunity for a detail-oriented professional passionate about banking and customer service to contribute to a trusted financial institution committed to community growth and financial well-being.
Requirements:
Key Responsibilities:
• Manage and process loan payments, escrow accounts, and other related transactions accurately and efficiently
• Respond to customer inquiries regarding loan accounts, payment schedules, and account status via phone, email, or in person
• Ensure compliance with banking policies, procedures, and regulatory requirements in all loan servicing activities
• Maintain detailed and organized records of loan transactions and customer interactions
• Collaborate with loan officers and other banking staff to resolve customer issues and facilitate loan modifications or adjustments
• Monitor loan accounts for delinquencies and coordinate with customers to develop repayment plans when necessary
• Assist in the preparation of loan documentation and reports for internal and external audits
• Assist with front-desk coverage as assigned, including answering phones and greeting visitors
Skills & Qualifications:
• High school diploma or equivalent; associate's or bachelor's degree in finance, business, or related field preferred
• Previous experience in loan servicing, banking, or customer service is highly desirable
• Strong attention to detail and organizational skills
• Excellent communication and interpersonal skills
• Knowledge of loan products, banking regulations, and compliance standards
• Proficiency in banking software and Microsoft Office Suite
• Must be able to maintain the highest level of confidentiality; ability to handle sensitive material concerning the Company and borrowers
Work Environment:
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands:
This is largely a sedentary role. This position frequently communicates with customers, coworkers, managers. Must be able to exchange accurate information in these situations requirements listed below are representative of the knowledge, skills, and/or abilities required for this position.
Mortgage Loan Processor
Loan specialist job in Wayne, PA
Headquartered in the Washington, D.C. suburb of Woodbridge, VA., and licensed to operate in 40 states, J.G. Wentworth Home Lending (JGWHL) has built its success over the past 15 years in originating Conventional, VA, and FHA loans. Known for its outstanding reputation and commitment to excellence, JGWHL has earned several prestigious awards, including Costco Mortgage Services' 2013 Operational Excellence Award and 2014 Lender of the Year Award. Based on an independent analysis conducted by consumer finance site LendingTree.com, JGWHL has a 95% consumer satisfaction rating, among the highest in the industry.
What makes us an industry leader?
• Recognized in the "Top 3 for Customer Satisfaction" from Lending Tree and the “Operational Excellence” and "Top Originator" Awards from Costco.
•Rated as one of the “Top 40 Mortgage Companies” in America as well as “Top 10 for Customer Service” with Lending Tree
•$2.6 Billion servicing portfolio•Direct seller to FNMA, FHLMC and Ginnie Mae
Job Description
Mortgage Loan Processor
Location: Wayne, PA
We are actively looking for experienced Mortgage Loan Processors to join our team. If you are motivated, multi-tasked, organized and have a hands on approach then our office is perfect for you. We offer a dynamic environment fostering and encouraging individual growth and rewarding performance.
The MORTGAGE LOAN PROCESSOR will be responsible for:
• Strong reliability to effectively communicate sensitive information between clients and internal departments
• Consolidating information from banks, appraisal/title companies and related organizations to prepare loan documents for Underwriter review
• Managing client relations and ensuring compliance with regulations and agencies (preferred knowledge of FHA/VA, FNMA, HUD, etc.)
• Continuing knowledge of industry practice and standards for career longevity with a stable industry leader
Qualifications
A strong MORTGAGE LOAN PROCESSOR will have the following:
• 1-3 years of residential mortgage processing experience
• Knowledge of all mortgage and consumer lending regulations
• Previous experience with Encompass **preferred not required**
• Excellent written and verbal interpersonal communication skills
• Previous banking/financial services industry knowledge
• Ability to Review & Analyze Tax Returns/Income Documentation i.e Self Employed, Rental Calculations per FNMA Requirements
Additional Information
For more than 20 years, The J.G. Wentworth Company , through its affiliates and subsidiaries, has provided individuals the flexible options they need to respond to life's changing needs. Today, The J.G. Wentworth Company is a diversified company focused on providing direct-to-consumer solutions to financial needs through a variety of offerings, including: home lending and refinancing, structured settlement, annuity and lottery payment purchasing, access to personal loans, and prepaid cards. Our seasoned management team has developed a category-leading marketing, operations, customer service and funding infrastructure that has allowed us to achieve efficiency and economies of scale necessary for future growth.
We'd love to consider you for our growing team of talent and invite you to complete an application for our current open positions. EOE/V/D
Mortgage Loan Officer
Loan specialist job in Lebanon, PA
Value Proposition Our values define us and our culture inspires us to change lives for the better. 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 local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.
Overview
This is a full-time, commissioned career opportunity that can be hybrid based out of our Downtown Lebanon location in Lebanon, PA.
Solicits first mortgages through contacts with realtors, builders, 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 financial goals, including home ownership.
Responsibilities
* Develops and expands referral sources in order to solicit first mortgages. 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.
* 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 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.
Qualifications
Required Education
High School Diploma or equivalent.
Required Experience
1 or more years Recent residential mortgage lending experience to include experience in the local market. Experience in the Fulton Mortgage Company Associate Mortgage Loan Officer Program may be accepted in lieu of 1 year required residential mortgage lending experience.
1 or more years Proven ability to develop referral sources from contacts and relationships outside the organization.
Bilingual skills (Preferred)
Other Duties as Assigned by Manager
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 Transparency
This position is fully commissioned.
Benefits
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 Benefits & Wellness | Fulton Bank.
NMLS
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.
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
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.
Auto-Apply