Senior Mortgage Loan Officer

Newburyport Five Cents Savings Bank•Salisbury, MA

1d•Onsite

About The Position

The Senior Mortgage Loan Officer originates, evaluates, and structures residential mortgage loan applications in compliance with regulatory and internal lending standards. Builds relationships with borrowers, real estate agents, and internal partners. Acts as a trusted advisor, guiding clients through the home financing process with integrity, accuracy, and professionalism.

Requirements

Active Nationwide Multistate Licensing System (NMLS) license or ability to obtain upon hire.
Strong knowledge of mortgage loan products, the loan process, banking and lending regulations, and credit, income, asset, and collateral analysis.
Strong interpersonal, communication, negotiation, customer service, organizational, and time management skills with exceptional attention to detail.
Proficient in mortgage Loan Origination Systems (LOS), Automated Underwriting Systems (AUS), and Microsoft Office or similar business software.
Self-motivated with a proven ability to generate business, manage a sales pipeline, and work independently and collaboratively.
Ability to maintain regular in-office attendance, travel as needed for client and business development activities, and work flexible hours, including evenings and weekends, to meet customer needs.

Nice To Haves

Bachelor's degree in business, finance, or a related field preferred.
Five or more years of sales-oriented mortgage lending experience preferred.

Responsibilities

Proactively originates residential mortgage loans through internal referrals, external relationships, and self-generated leads.
Evaluates applicants' financial status, credit, and property information to determine loan eligibility.
Maintains current knowledge of mortgage regulations, products, rates, and underwriting guidelines to provide accurate guidance, recommend appropriate loan products, and ensure compliance throughout the lending process.
Assists clients with loan applications and ensures required documentation is collected, verified, and submitted accurately and on time.
Develops and maintains relationships with realtors, builders, attorneys, and other referral partners to generate business and support a seamless customer experience.
Collaborates with processors, underwriters, and closers to facilitate efficient loan processing and closing.
Maintains accurate customer and loan pipeline records in the Customer Relationship Management (CRM) and Loan Origination System (LOS).
Ensures compliance with all applicable federal and state lending laws, regulations, bank policies, and Bank Secrecy Act (BSA) requirements.
Meets or exceeds production goals while delivering exceptional customer service.
Remains current on Bank products, services, policies, procedures, and regulatory requirements by participating in required training and applying knowledge in daily operations.
Helps minimize risk and protect the Bank by ensuring transactions, account balances, and lending activities comply with applicable laws, regulations, and internal policies.
Performs additional duties, as directed by management and complies with all related consumer regulatory requirements.