LOAN OFFICER

Loan OfficerBayCoast 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 DoOriginate residential real estate mortgage loans through proactive self?generated sales effortsDevelop, expand, and maintain a strong referral network of Realtors, builders, attorneys, accountants, and other centers of influenceIdentify and engage prospective borrowers via phone, internet, email, in?person meetings, and referral channelsGuide borrowers through the mortgage process from application to closing, ensuring a smooth and positive customer experienceOriginate mortgage applications in compliance with company policies, investor guidelines, and regulatory requirementsPrepare, explain, and distribute required disclosures and loan documents at applicationCollect and manage borrower documentation, following up as needed to ensure timely loan processingMaintain a well?managed pipeline of high?quality loans while clearly communicating expectations to borrowers and transaction partnersAttend open houses, Realtor meetings, homebuyer seminars, networking events, and community outreach activities to grow your personal brand and productionMaintain active NMLS registration and stay current on federal and state mortgage regulationsCollaborate across BayCoast's family of companies to identify opportunities for referral and cross?functional growthConsistently demonstrate BayCoast's mission and core values through ethical behavior, professionalism, and community commitmentWhat We're Looking ForAbility to obtain an NMLS license and maintain as a condition of employment2+ years of mortgage loan origination experience or a strong background in sales, lending, or financial servicesCollege degree preferredProven ability to generate business, build relationships, and deliver outstanding customer serviceBasic knowledge of conventional, FHA, VA, and other government loan programsUnderstanding of mortgage processing, underwriting, and closing workflowsBasic 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 simultaneouslyProficiency in Microsoft Office and mortgage technology platformsBehavior 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 EnvironmentLaptop, Docking Station, Dual Monitors, Camera/Microphone, Cell PhoneHybrid work environment with some evening and weekend availability as business needs requireAbility to attend in?person meetings, remote meetings, and local eventsOccasional lifting of up to 20 lbsReasonable accommodations may be provided for qualified individuals with disabilities.Why BayCoast?Strong local brand and community presenceVast product offeringFlexible hybrid work scheduleSupportive leadership and collaborative cultureOpportunity to grow your business within an established financial institutionMission?driven organization committed to community impact and exceptional serviceCompensation & CommissionBayCoast 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 volumeRecoverable or non?recoverable draw options available and negotiable based on experience and production historyEarning potential aligned with individual production, referral network strength, and portfolio performanceSupport from a well?established processing, underwriting, and operations team to help maximize funded volumeCompensation structure will be finalized based on experience, licensing status, and demonstrated production capability.