Telecommute Loan Processor/Flexible Hours

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.