LOAN OFFICER

Job Description

Job Description

POSITION DESCRIPTION

Loan Officer

BayCoast Mortgage Company
Work Model: Hybrid (Flexible Work Program)

Bilingual: Spanish/Portuguese a plus

Build Careers. Empower Homeownership. Grow With BayCoast.

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.

What You’ll Do

• 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

What We’re Looking For

• 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
• College degree preferred
• 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.

Equipment & Work Environment

• Laptop, Docking Station, Dual Monitors, Camera/Microphone, Cell Phone
• Hybrid work environment with some evening and weekend availability as business needs require
• Ability to attend in‑person meetings, remote meetings, and local events
• Occasional lifting of up to 20 lbs

Reasonable accommodations may be provided for qualified individuals with disabilities.

Why BayCoast?

• Strong local brand and community presence
• Vast product offering
• Flexible hybrid work schedule
• Supportive leadership and collaborative culture
• Opportunity to grow your business within an established financial institution
• Mission‑driven organization committed to community impact and exceptional service

Compensation & Commission

BayCoast Mortgage Company offers a competitive, performance‑based compensation structure designed to reward growth, production, and long‑term success.

• Commission‑based compensation with basis points (BPS) payout tied to funded loan volume
• Recoverable or non‑recoverable draw options available and negotiable based on experience and production history
• Earning potential aligned with individual production, referral network strength, and portfolio performance
• Support from a well‑established processing, underwriting, and operations team to help maximize funded volume

Compensation structure will be finalized based on experience, licensing status, and demonstrated production capability.