Mortgage Loan Officer

Pentucket Bank is a community bank supported by the strength of our shared services organization River Run and banking affiliates Newburyport Bank and Rollstone Bank and Trust. Together we shape the evolution of community banking through innovation and strong partnerships while preserving the heartfelt service our customers value. Here you will discover opportunities for professional growth make a meaningful impact in your local community and join a team that champions integrity respect teamwork and continuous progress. Start with heart.

The Mortgage Loan Officer originates evaluates and structures residential mortgage loan applications in compliance with regulatory and internal lending standards. Builds relationships with borrowers real estate agents and internal partners. Acts as a trusted advisor guiding clients through the home financing process with integrity accuracy and professionalism.

We are committed to providing accessible and equitable financial services to our diverse membership. As this role regularly supports Spanish-speaking customer the ability to communicate fluently in Spanish and English is required.

• Proactively sources and originates residential mortgage loans through internal referrals external relationships and self-generated leads.
• Evaluates and analyze applicants financial status credit and property evaluations to determine feasibility of granting loans.
• Maintains thorough knowledge of current mortgage regulations products rates and underwriting guidelines to provide accurate guidance to clients and ensure compliance throughout the loan process. Advises customers on loan products that best meet financial needs and long-term goals.
• Provides assistance to clients in completing loan applications and ensures all required documentation is collected verified and submitted in a timely manner.
• Collaborates closely with processors underwriters and closers to ensure smooth and timely loan processing.
• Fosters strong working relationships with realtors builders attorneys and other referral partners to generate new business opportunities and ensure a smooth collaborative customer experience throughout the lending process.
• Maintains accurate records of customer interactions and loan pipeline in Customer Relationship Management (CRM) system and Loan Origination System (LOS).
• Ensures compliance with all applicable state and federal lending regulations.
• Consistently meets or exceeds production targets while delivering high-quality service-oriented results.

To effectively meet our customers needs and deliver high-quality service fluency in both English and Spanish is required for this role.

• High school diploma or equivalent. Bachelors degree in business finance or related field preferred.
• Active Nationwide Multistate Licensing System (NMLS) license or ability to obtain upon hire.
• 23 years of experience in sales-oriented mortgage lending preferred.
• Strong knowledge of banking and lending regulations.
• Strong knowledge of mortgage loan products and the complete loan process.
• Strong knowledge of credit income assets and collateral analysis principles.
• Strong interpersonal skills.
• Strong communication negotiation and customer service skills.
• Strong organizational skills.
• Strong attention to detail.
• Proficient in mortgage LOS Automated Underwriting System (AUS) and office software.
• Self-motivated.
• Proven ability to generate business and manage a sales pipeline.
• Ability to be present regularly in the office to foster team culture and ensure consistent service delivery.
• Ability to travel for client meetings realtor visits or community outreach events as needed.
• Ability to work flexible hours including evenings and weekends as needed to meet customer needs.
• Ability to work independently and as part of a team.

Pentucket Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race color ancestry national origin gender sexual orientation marital status religion age disability gender identity results of genetic testing or service in the military.

If you are an individual with a disability and require a reasonable accommodation to complete the application process you may contact Human Resources at or call .

The salary range represents an estimate based on market data for this position. Final compensation decisions are made based on experience skills and internal equity to ensure fairness and consistency across our organization.

This position is eligible for commission-based compensation in addition to base pay.