Mortgage Loan Originator

Description:

Position Summary The Mortgage Loan Originator proactively generates and nurtures prospective client relationships to expand the residential lending portfolio and achieve individual sales goals. Utilizing a multi-channel approach, this role builds strategic partnerships with centers of influence to drive high-quality referrals and convert leads into funded loans. With strong financial acumen and a customer-first mindset, the Mortgage Loan Originator guides borrowers through the full mortgage lifecycle—from prequalification through closing—while ensuring timely and accurate disclosures in compliance with all regulatory requirements. This role requires a commitment to continuous learning, staying informed of market trends, competitive insights, and emerging lending technologies to identify opportunities for process improvement and cross-selling. This is a full-time, non-exempt position reporting to the VP, Retail Lending and Operations. Pay Base Salary from $31,500 + Commission Salaries may vary based on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance. Key Responsibilities Business Development & Sales Identify and pursue new residential lending opportunities, with a focus on mortgage loans and home equity products. Build and maintain a strong network of referral sources to generate leads and grow the customer base. Develop and maintain a comprehensive business development plan, including defined goals, strategies, measurable outcomes, and timelines aligned with organizational objectives and budget goals. Meet or exceed individual sales targets while contributing to the overall growth of the lending department. Identify and act on cross-selling opportunities across bank products and services. Client Relationship Management Build and maintain strong relationships with borrowers by understanding their financial goals and needs. Deliver exceptional customer service throughout the entire loan process—from initial inquiry through closing and beyond. Guide customers through the application process, ensuring accuracy and completeness of loan applications and supporting documentation. Community Engagement & Networking Organize and participate in networking events to build brand awareness and connect with prospective clients. Represent the bank through active community involvement and civic engagement, promoting a positive company image and supporting local growth initiatives. Develop new business relationships and provide referrals across business lines based on customer needs and opportunities. Loan Origination & Processing Collaborate with borrowers to gather required documentation and disclosures. Partner with underwriters and loan processors to ensure an efficient and timely loan approval process. Maintain a strong understanding of lending products, including rates, terms, and eligibility requirements, to recommend appropriate solutions aligned with customer objectives. Compliance & Risk Management Maintain expertise in lending regulations, compliance standards, and industry best practices. Ensure all loan applications, disclosures, and documentation meet regulatory and internal policy requirements. Market Awareness & Continuous Improvement Monitor market trends and competitor offerings to identify opportunities for innovation and improvement. Provide feedback to leadership on customer needs, preferences, and emerging market demands. Additional Responsibilities Perform other duties as required.

Requirements:

Qualifications & Skills Bachelor's degree in Business, Finance, Economics, or related field preferred. Minimum of 5+ years of experience in loan origination or a similar sales role within banking or financial services, including experience with loan estimate disclosures. Strong knowledge of the secondary market, as well as federal and state mortgage programs and products. Comprehensive understanding of lending products, loan processing, and underwriting procedures. Strong interpersonal and relationship-building skills, with the ability to effectively collaborate with colleagues, leadership, business partners, prospects, and community stakeholders. Flexible schedule with availability to meet client needs during non-traditional hours. Expertise in networking, marketing, and targeted outreach strategies in the Western territory relative to Southbridge, MA Working knowledge of applicable regulations and compliance standards. Proficiency in Microsoft Office and CRM systems (e.g., Salesforce). Valid driver's license required. Physical Demands Regular travel to meet with prospects and customers and conduct sales presentations. Frequent verbal communication with customers to explain products and services. Visual and manual dexterity required for computer and system use. Mobility required to move throughout bank locations and between floors. Ability to stand for extended periods and sit as needed throughout the workday. Occasional lifting of supply boxes and materials. Ability to lift up to 50 lbs infrequently. Disclaimer The job requirements outlined above represent the minimum knowledge, skills, and abilities necessary to perform this role effectively. This job description is intended to provide an overview of the position and does not represent an exhaustive list of responsibilities. Employees may be required to perform additional job-related duties as assigned. Employees are encouraged to discuss any responsibilities not outlined in this description with their immediate supervisor or a member of the Human Resources team. Performance evaluations and merit increases are based on the employee's ability to successfully perform the duties and responsibilities outlined in this job description to the satisfaction of their supervisor.