LOAN OFFICER

Baycoast Bank•Swansea, MA

28d•Hybrid

About The Position

BayCoast Mortgage Company is seeking a motivated, relationship‑driven Loan Officer to join our growing team. This role is ideal for a self‑starter who thrives on building connections, delivering exceptional customer experiences, and helping individuals and families achieve the dream of homeownership. As a Loan Officer, you’ll serve as a trusted mortgage advisor—originating residential loans, cultivating long‑term referral relationships, and driving production through strong community engagement. With the support of a respected local financial institution, industry‑leading resources, and a flexible hybrid work environment, you’ll have everything you need to succeed.

Requirements

Ability to obtain an NMLS license and maintain as a condition of employment
2+ years of mortgage loan origination experience or a strong background in sales, lending, or financial services
Proven ability to generate business, build relationships, and deliver outstanding customer service
Basic knowledge of conventional, FHA, VA, and other government loan programs
Understanding of mortgage processing, underwriting, and closing workflows
Basic knowledge of federal and state real estate lending regulations (TRID, RESPA, ECOA, etc.)
Strong organizational and time‑management skills with the ability to manage multiple loans simultaneously
Proficiency in Microsoft Office and mortgage technology platforms
Behavior and performance align with the guiding principles and purpose that define the organization’s mission (To provide exceptional service and solutions for our community), and core values (Take pride in what I do; Believe that what I do is important; Care about people; Have a positive attitude).
Embraces the Bank’s commitment to Solutions by seeking and recognizing opportunities to refer new business to different areas of the Bank, BayCoast Insurance, Plimoth Investment Advisors, BayCoast Mortgage Company, Priority Funding, and Teamwork Funding.

Nice To Haves

College degree preferred
Bilingual: Spanish/Portuguese a plus

Responsibilities

Originate residential real estate mortgage loans through proactive self‑generated sales efforts
Develop, expand, and maintain a strong referral network of Realtors, builders, attorneys, accountants, and other centers of influence
Identify and engage prospective borrowers via phone, internet, email, in‑person meetings, and referral channels
Guide borrowers through the mortgage process from application to closing, ensuring a smooth and positive customer experience
Originate mortgage applications in compliance with company policies, investor guidelines, and regulatory requirements
Prepare, explain, and distribute required disclosures and loan documents at application
Collect and manage borrower documentation, following up as needed to ensure timely loan processing
Maintain a well‑managed pipeline of high‑quality loans while clearly communicating expectations to borrowers and transaction partners
Attend open houses, Realtor meetings, homebuyer seminars, networking events, and community outreach activities to grow your personal brand and production
Maintain active NMLS registration and stay current on federal and state mortgage regulations
Collaborate across BayCoast’s family of companies to identify opportunities for referral and cross‑functional growth
Consistently demonstrate BayCoast’s mission and core values through ethical behavior, professionalism, and community commitment