our Overview This is a commissioned career opportunity that will be based out of the Northern New Jersey market. 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 backss 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 Experience1 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. 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. 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.
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, interactionual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.
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.
beverages, Ssips and Sabor Latino drinks and nectars, and Ssips aseptic drink boxes, all using cutting-edge technologies and only the freshest, highest quality ingredients. Johanna Foods is also a leading private label and co-pack juice and yogurt producer, manufacturing products for numerous leading retailers and brands.
What we offer: Competitive compensation and benefits package, including medical, dental, vision, 401k, life insurance, short term disability insurance, long term disability insurance, vacation, and tuition reimbursement. Job Summary: Sales Accountant has full responsibility for month end closing and reporting of sales revenue, promotional accruals, and promotional expenses
for Johanna Foods, Inc. They have a high level of understanding of the revenue cycle and components of Gross Revenue to Net Revenue. The role partners with Sales Leadership and Finance to report KPIs on divisional, customer and product sales and journal entries in accordance with monthly closing schedules.
The role owns Masterfile maintenance to ensure accurate product and customer profiles within the Johanna system. Responsibilities Maintain, analyze and reconcile off invoice and bill back allowances including misc. customer deductions (slotting, ad fees, off invoice, etc---) to ensure spending remains within approved promotional guidelines. This includes actuals and accruals. Maintain
Masterfiles (product profiles, customer profiles, pricing, terms, freight) for all finished products in system.
Preparation of monthly sales reports for management - monthly, incentive period, and YTD sales by category, division, customer and product. Communicate with sales and correct any price discrepancies on incoming PO's. Preparation of monthly closing journal entries. Analysis of monthly net realized product prices. Monthly reconciliation of various G/L balance sheet accounts. Maintain a rapport with various levels of management in Sales and Supply Chain. Stay current with changes in plant facilities and operations. Preparation of annual budget. Assist in year-end annual audits.
Qualifications BS in Accounting or Finance required, four year college degree or equivalent experience. Minimum seven years of experience in sales accounting or auditing Experience in manufacturing accounting preferred Strong analytical, interpersonal and computer skills with emphasis on Microsoft Excel. Commitment to continuous process improvement. Willingness to deep dive into the detail
the monthly operating statements. - Process deposit account and safe deposit box maintenance. - Process IRA transactions including new account set-up, rollovers, disbursements, account closures, and maintenance. - Resolve customer and bank issues with deposit accounts and transactions.
- Order cash for branch offices. - Verify and correct customer SSNs and EINs. - Process and disburse interest checks ensuring accurate withholding and remittance of income taxes. - Reconcile general ledger accounts on a monthly basis. - Assist in annual escheat process including communication with customers regarding dormant accounts and remittance of monies to the state. - Calculate interest and interest
corrections. - Process entries for approved charge-off requests. - Review and correct savings bond addenda. - Process levy disbursements, and compile and disseminate research as per instructions.
- Recommend enhancements and upgrades to deposit products and services by evaluating policies, procedures, systems, and reports while performing daily tasks and duties. - Communicate with people outside the organization on a regular basis including regulators, auditors, customers, attorneys, law enforcement, and the general public. - Keep informed of industry changes, trends, and best practices. Job Requirements and Qualifications - Ability to work well independently and with others- High degree
of accuracy and attention to detail- Strong communication skills, written and verbal- Organizational and time management skills- Ability to meet multiple departmental deadlines Education and Experience - High school diploma or equivalent.
- Three years of retail banking experience. Licenses and Certifications - N/A Skills and Abilities - Knowledge of principles and practices to ascertain and backss customer needs, meet quality standards of customer service, and evaluate customer satisfaction- Fundamental knowledge of accounting, finance, and economic principals- Strong knowledge of banking principles and practices- Knowledge of banking products, services, and systems- Excellent computer skills, and proficiency in MS Office suite programs- High reasoning skills including the ability to define problems, collect data, establish facts, and draw valid conclusions- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.
Ability to apply concepts of basic algebra- Ability to apply critical thinking to identify the strengths and weaknesses of alternative solutions or approaches to problems- Ability to write reports and business correspondence Physical Requirements - Ability to sit for long periods of time up to 75% of work hours- Ability to use hands to grasp, handle or feel- Ability to use computer keyboard and system to enter data and process information- Ability to read a computer screen at a close distance- Ability to talk, hear, and see- Ability to use telephone to communicate with others- Ability to use office equipment such as teller scanner, personal computer, telephone, mobile device, copier, etc- Ability to lift up to 15 lbs.
at least 25% of work hours. Working Conditions - Moderate sound as in an open business office environment with office machines, computers, and people traffic.
- Open floor work environment. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, interactionual orientation, gender identity, national origin, protected veteran status or disability. This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains " at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it.
Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, interaction, gender identity or expression, affectional or interactionual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.
Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job, unless such accommodation would impose an undue hardship upon Unity Bank.
A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department. For more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through our website. unitybank. /jobs/964869-68941. html For more details: jobs-search.
org/finance_clinton-c439208/retail-operations-associate-i-clinton_i1966276476
