Community Mortgage Originator

Title: Community Mortgage Originator Salary Grade:

FLSA Status: Non-Exempt Employment Status: Full Time

Department: Retail Lending Location: Assigned Branch/Hybrid Eligible

Reports To: SVP of Residential Lending and Loan Servicing

Date Prepared: August 29 2025 Human Resources Review: August 29 2025

SUMMARY: Under the direction of the SVP of Residential Lending and Loan Servicing the Community Lender (inside) is responsible for the origination of first mortgage and home equity loan products as well as a wide range of duties related to loan origination and managing the pipeline in accordance to secondary market private investor private mortgage insurance FHA and Main Street Bank Portfolio policies procedures and guidelines. The majority of the prospective customer leads are generated by the banks branch system or other bank lead generation techniques.

The Community Mortgage Originator is responsible to proactively identify develop and maintain a quality network of external relationships and COIs that serve as a source of referrals for new mortgage lending opportunities. Additionally this position embraces the established sales and service culture to maximize their contribution to the Banks goals.

• Community Mortgage Originators will receive Compensation Agreements that outline production expectations salary commission rates payment schedule and deposit incentives.

After successful completion of training and proven abilities this position is eligible for a hybrid work arrangement with an agreed upon number of days per week/month on site.

• Consistent availability is expected during core business hours. Work outside of regular business hours requires approval on an as needed basis to meet deadlines and fulfil the needs of both internal and external customers.

ESSENTIAL DUTIES and RESPONSIBILITIES:

The requirements listed are representative of the knowledge skill and/or ability required.

In the performance of respective tasks and duties the employee is expected to successfully perform quality work within deadlines with or without supervision interact professionally with other employees customers and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.

• Demonstrate strategic acumen in driving business growth and overseeing operational excellence.
• Proactively develop and execute detailed plans to achieve sales targets mapping out specific actions and managing time efficiently.
• Regularly update management on progress toward goals and request support whenever needed.
• Expertly handle incoming leads generated from the banks branches commercial lending teams and other internal sources delivering white glove service throughout the process. Ensure every internal referral receives attentive personalized support from initial inquiry through to closing showcasing a commitment to seamless customer experiences.
• Conduct thorough interviews with applicants to determine their needs evaluating financial status creditworthiness and property details to recommend the most suitable loan products. Provide thoughtful guidance to loan customers on beneficial financial strategies and responsible loan management.
• Initiate complete loan applications based on client interactions ensuring compliance with all regulatory requirements and timely submission. Collect all necessary documentation and fees from applicants efficiently and keep applicants informed at every stage.
• Utilize mortgage products as an opportunity to cross-sell additional banking relationships such as checking accounts and other deposit services. Input data into the appropriate loan systems maintaining robust supporting files and documentation for underwriting and regulatory purposes. Use automated underwriting systems (DU/LP/DO) within authorized parameters.
• Communicate loan decisions promptly clarify outstanding requirements and work closely with borrowers to finalize commitments and prepare for closing. Attend closings when necessary to uphold a high standard of service.
• Actively participate in homeownership initiatives such as seminars housing expos broker meetings and civic events to promote the Banks positive image and attract new business.
• Seek external opportunities to expand the referral network while nurturing existing customer relationships for future referrals.
• Assist in processing mortgage loan requests as needed and respond effectively to inquiries from applicants and bank personnel. Clearly outline loan terms and commitments to borrowers.
• Stay current on compliance laws relevant to mortgage and home equity lending including ECOA RESPA Regulation Z Regulation C and all applicable state and federal laws. Offer feedback on competitor pricing and products and inform management about market trends.
• Review loan requests based on the Banks policies and offerings collaborating with other loan officers to resolve any application issues. Evaluate residential loans for secondary market qualification and maintain an up-to-date database of new and existing business.
• Remain vigilant to regulatory changes recommending updates and improvements for both compliance and operational efficiency ensuring excellence in every aspect of the lending process.

GENERAL:

• Assist internal external and regulatory auditors with the collection of requested materials as assigned with their respective engagements.
• Readily volunteer and accept assignments to special tasks established to address specific issues and opportunities within the department.
• Effectively use tools and systems to be able to self-manage organize and complete work independently proactively recognizing potential obstacles resolving them before they become an issue managing to deadlines creating action plans when not on track enabling job functions to happen with minimal oversite and meeting conditions of satisfaction.
• Use discretion in dealing with large amounts of sensitive confidential information while adhering to all Bank policies and procedures
• Adhere to all company policies consistently demonstrating our core values and service standards
• Regular and consistent attendance is required to ensure a high standard of customer service.
• In the performance of respective tasks and duties the employee is expected to uphold the responsibilities set forth by the National Mortgage Licensing System and Registry (NMLS&R) and the SAFE Act.
• In the performance of respective tasks and duties the employee is expected to maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and adheres to compliance procedures and internal/operational risk controls in accordance with all applicable regulatory standards requirements and policies as well as attending all required training sessions and completing all required on-line training courses.
• Other duties as assigned performing similar or related work as directed required or as situation dictates.

LEVEL OF RESPONSIBILITY:

• It interacts independently with all staffing levels and in the community as a subject matter expert to help guide customers in lending decisions and selling the banks programs and services.
• Work is non-routine and complex requiring the ability to maintain a high level of confidentiality.
• Position has an impact on the revenue of the institution.

EQUIPMENT REQUIRED:

• Smart Phone - To enable the MFA (Multi Factor Authentication) facilitating access to MSB systems.

HYBRID/REMOTE ENVIRONMENT:

• Your physical remote location must provide a dedicated workspace that is free from distraction and provides adequate light to be regularly visible on video calls.
• You must have access to a reliable internet connection with adequate bandwidth to join Teams and other video calls.

SKILLS REQUIRED:

• Bachelors degree in business desired or banking courses and/or related work experience
• Minimum three years experience and proven track record in the sale/origination of residential mortgages.
• Knowledge of Secondary Market guidelines state agency lending guidelines HELOC and second mortgage guidelines and consumer loans.
• Understanding of Fannie Mae/Freddie Mac/ Secondary mortgage market guidelines and requirements including the automated underwriting systems DU and LP.
• Knowledge of FHA VA USDA products and any other loan products offered by the bank.
• Proficient in Microsoft Office Suite products and the internet.
• Experience using a mortgage loan management system is required Encompass experience highly preferred.
• Familiarity with and comfortable using Customer Relations Management (CRM) systems
• Solid understanding and application of and ability to operate standard office equipment
• Bilingual preferred
• Means and mode of travel to all Main Street Bank locations networking and customer locations.
• *Be registered or be eligible to register and maintain a valid Mortgage Loan Originator IdentifierNumber issued through the National Mortgage Licensing System and Registry (NMLS&R).

*National Mortgage Licensing System and Registry (NMLSR):
The Federal Government requires that employees with responsibility for residential mortgage lending and/or consumer real estate loans be registered with the Nationwide Mortgage Licensing System and Registry (NMLSR). For consideration of this position you will be required to obtain a unique identifier register with NMLSR and be fingerprinted for a criminal background report. Individuals hired for this position must: A) have not been convicted of or pleaded guilty or nolo contendere to a felony in a domestic or military court during the preceding seven-year period or in the case of a felony involving an act of fraud dishonesty a breach of trust or money laundering at any time; B) has demonstrated financial responsibility character and general fitness such as to warrant a determination that the individual loan originator will operate honestly fairly and efficiently.

COMPETENCIES:

• Strong business development skills with the ability to develop and cultivate self-generated referral sources in conjunction with developing referral sources for mortgages through partnerships with our retail bank branches and cross-selling bank products.
• Excellent interpersonal and communication skills and responsive approach to communication with internal and external stakeholders
• Relationship Builder - Develops and maintains relationships with officers employees and external contacts and maintains alignment with core values vision strategy and goals.
  • Ability to interact on a professional level
  • Outstanding customer service skills (in person over the phone or video conference)
  • Strong community ties and a proven track record of sales/business development success.
  • Ability to work well in a team environment

LANGUAGE/COGNITIVE SKILLS:

The work skills described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

The person in this position frequently communicates with customers about banking products their bank accounts & transactions and therefore must be able to exchange accurate information in these cases. They will need to use judgment and discretion in decision making situations interpret and follow all Bank policies and procedures write/create reports and business correspondence (Main Street Banks standard language is English). As well as the ability to:

• Speak and effectively present/communicate information and respond to questions from customers groups of managers vendors and other employees.
• Define problems collect data establish facts and draw valid conclusions.
• Read analyze and interpret a variety of documents such as checks bank statements and Loan documents. standard mortgage documents underwriting guidelines and investor policies and procedures

WORKING CONDITIONS AND PHYSICAL EFFORT:

The physical and work environmental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job the employee is required to:

Physical Demands/Efforts

• Occasionally lift and/or move up to 10 pounds (i.e. files)
• Frequently required to remain in a stationary position up to 80% of the time
• Occasionally required to stoop and bend

Mental & Visual Demands

• Consistently operate a computer for extended periods of time
• Specific vision abilities may be required by this job including close vision distance vision peripheral vision depth perception and ability to adjust focus
• Regular use of office productivity machinery (i.e. a calculator copy machine fax machine computer printer).

Work Environment and Hazards

• Regularly move throughout the inside the Bank to access resources and individuals
• Regular/daily local travel for bank purposes and/or on behalf of the bank (i.e. business/client calls networking community/marketing events branch locations).
• The employee must be able to work schedules that meet the needs of the bank which may include early morning evening and/or weekend hours.
• It is a general office environment when in the office where the noise level is moderate

AMERICANS WITH DISABILITIES ACT

Main Street Bank complies with all aspects of the Americans with Disabilities Act (ADA) and state disability laws. This means that we will not discriminate against qualified individuals with a disability in any phase of the employment relationship including application for employment hiring promotions and/or advancement opportunities termination compensation training and any other conditions or privileges of employment.

The completion of this Application for Employment does not assure a position with Main Street Bank and any offer of employment is conditioned on the satisfactory completion of a background and credit review as determined by the sole discretion of Main Street this Application for Employment nor any document constitutes a contract of employment for a specific term and that any employment relationship that may be established will be at-will and if hired may be terminated at any time for any reason by the applicant or Main Street Bank.

Massachusetts Law - It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Massachusetts General Laws c. 151B prohibits employers from (1) terminating or refusing to hire individuals on the basis of genetic information; (2) requesting genetic information concerning employees applicants or their family members; (3) attempting to induce individuals to undergo genetic tests or otherwise disclose genetic information; (4) using genetic information in any way that affects the terms and conditions of an individuals employment; or (5) seeking receiving or maintaining genetic information for any non-medical purpose.

Main Street Bank is an Equal Opportunity Employer.All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age pregnancy genetic information disability status as a protected veteran or any other protected category under applicable federal state and local laws.

Main Street Bank is committed to working with and providing reasonable accommodation to individuals with disabilities. If you need special assistance or an accommodation while seeking employment please call: or send an email to and we will make determination on your request for reasonable accommodation on a case-by-case basis.