Loan officer jobs in Manchester, NH - 86 jobs

Job Title: Mortgage Closer Department: Mortgage Lending Department Location: Littleton, MA Reports to: Senior Director, Mortgage Production Career Stream: Individual Contributor Classification: Hybrid Onsite Frequency: On-site at HQ more than 10 days per month with assigned workspace Pay Grade: 8 FLSA Status: Non-Exempt Pay Grade Range: $24.32 - $30.39 Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Ensures a seamless and compliant closing process by performing thorough pre-funding audits and preparing all required closing documents with precision. This role collaborates closely with cross-functional teams to swiftly resolve any issues that could impact the closing timeline, thereby ensuring timely and efficient fundings. Additionally, the Closer maintains detailed records to meet audit standards and drive continuous process improvements. ESSENTIAL JOB DUTIES AND RESPONSIBILITIES: * Conduct a comprehensive pre-funding audit of mortgage and home equity files to ensure data accuracy, complete documentation, and compliance with investor, regulatory, and credit union policies. * Collaborate with the Closing Agent, Attorney, or branch to schedule closings, confirming that all necessary pre-closing documents (e.g., insurance binder, title commitment, funds-to-close) are in place, and update the loan software and posting journal with the closing date. * Generate the pre-Closing Disclosure and ensure it is delivered to the member via mail or electronically to meet regulatory requirements in order to close timely. * Inform the closing attorney that the first mortgage is cleared to close and request essential documents, including the closing date, title report, payoff, and tax information. * Prepare and deliver the closing documents to the appropriate Closing Agent, Attorney, or branch. * Order the LQCC report as needed, obtain member feedback when credit report changes occur, and perform a verbal employment verification prior to loan closing. * Execute the investor quality control check by validating loan data against underwriting data and addressing any errors. * Collaborate with underwriting, processing and origination teams to resolve escalated issues and ensure timely closings. * Submit the Uniform Closing Dataset (UCD) to the investor as mandated, reviewing and resolving any feedback-related errors. * Support post-closing quality control by identifying and addressing documentation or compliance issues that arise after funding. * Demonstrate behaviors in line with the Credit Union's Fundamentals as part of the Workers Way culture program. * Assume additional responsibilities as required. Other Duties: * May be asked to provide coverage in other WCU branches or departments. * Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. * Participates in department and/or organizational projects as directed. * Performs other tasks or functions as required, requested, necessary or prudent. * Maintains confidentiality of all member and credit union information and data. * Regularly demonstrates behaviors as defined by the credit union's Fundamentals, which are part of the Workers Way culture program. Education * High School Diploma or Equivalent Required. Experience: * A minimum of 2-4 years of experience in mortgage closing or related roles, with a strong understanding of closing procedures, loan documentation, and regulatory compliance. Skilled in preparing and reviewing closing documents, coordinating with attorneys and closing agents, and resolving issues that may impact funding timelines. Proficient in mortgage software systems and known for attention to detail, organizational skills, and effective communication are crucial to being successful in this role. * Additional Qualifications for Senior Mortgage Closer: * 4-7 years of experience in mortgage closing, including handling complex loan types such as construction, portfolio, and multi-disbursement loans. Demonstrated expertise in investor and regulatory closing guidelines, with experience mentoring junior closers and leading quality control efforts. Proven ability to manage high-volume pipelines, support post-closing issue resolution, and contribute to process improvements and team development. Knowledge/Skills/Abilities/Competencies: * A successful Mortgage Closer brings a strong working knowledge of closing procedures, loan documentation standards, and regulatory requirements such as TRID and RESPA. Proficiency in mortgage software systems and closing platforms is essential for ensuring accuracy and efficiency throughout the closing process. The role requires exceptional attention to detail, time management, and organizational skills to manage multiple closings and meet strict deadlines. Effective communication and collaboration are critical for coordinating with attorneys, title companies, and internal teams to resolve issues and deliver a seamless member experience. * Senior-level closers are expected to demonstrate advanced understanding of investor and secondary market closing guidelines, contribute to quality control efforts, and support the implementation of procedural improvements. They should also be capable of interpreting regulatory changes, mentoring peers, and escalating trends or risks to management when appropriate. Work Environment: * This role is currently classified as a hybrid position. However, the classification is subject to change based on business needs. Physical Demands: * The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. * This is a largely sedentary role. * While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. * This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. * Ability to travel to other work locations as required. About Workers Credit Union: Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members. We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits: * Comprehensive medical, dental and vision plans * Basic life and AD&D insurance, short-term disability and long-term disability * 15+ days of paid time off (PTO) per year * Up to 16 hours of volunteer time off (VTO) per year * 11+ paid holidays * 401(k) that includes a Safe Harbor Match of up to 4%. * Tuition Reimbursement Program * Mental health resources including an Employee Assistance Program (EAP) * Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

MasonWest LLC was founded in 2012 with our core industry focus being Banking, Financial Services, Insurance, Accounting, Finance & Legal . As a leader in the executive search industry, we take pride in our partnerships and strive in delivering the recruiting and human capital expertise you deserve. Our depth of experience and dedication to the process of executive search combined with delivering unparalleled results for our clients and candidates is the formula to a winning long term solution. Our focus is on attracting the right talent to help our client's business succeed while delivering searches on a national basis. Job Description MasonWest is currently searching for an experienced Loan Review Officer for one of our banking clients near Waltham, MA. Job Desrciption: The loan review function at our banking client oversees and conducts the independent loan review process across the company, which is designed to: Promptly identify loans having potential credit weaknesses so that timely corrective action can be taken to minimize losses. Assess relevant trends that may affect collectability. Provide information to assess the adequacy of the Allowance For Loan & Lease Losses (ALLL). Assess the adequacy of and adherence to internal loan policies. Evaluate the activities of lending personnel especially as it relates to thorough and complete underwriting, early detection of problem loans, and knowledge of his or her loan portfolio. Provide management and the board of directors with objective, accurate, and timely information of the quality of the portfolio. Essential Duties: 1. Under the direction of the Director of Credit Review conduct independent credit reviews of loans and portfolios in accordance with the annual plan. 2. Ensure that loan reviews done on individual loans analyze credit quality; sufficiency of credit and collateral documentation; proper lien perfection; proper approval by the loan officer and loan committees; adherence to any loan agreement covenants; and compliance with internal policies and procedures and laws and regulations; and the appropriateness and timeliness of identification of problem loans by loan officers. 3. Prepare information reports to assist senior management in risk related matters as needed. 4. Participate in risk discussions throughout the banks such that current review work is part of the banks' dialogue on risk appetite. 5. Perform other duties as requested or directed. Qualifications: Formal credit training or equivalent experience is preferred. At least 5 years of credit review and / or related credit work at similar sized and/or larger institutions. Awareness of sound lending practices and basic regulatory requirements covering extension of credit and managing credit risk. Curiosity and analytic sensibility. Excellent written and oral communication skills. Proficiency in Microsoft Word, Excel and PowerPoint. Diplomacy and tact. Position will require frequent traveling Bachelor's degree in relevant field. Additional Information All your information will be kept confidential according to EEO guidelines.

Seeking a Residential Mortgage Originator to join the Institution for Savings lending team. The ideal candidate will be responsible for generating residential mortgage loans through proactive business development, community engagement and exceptional customer service. This position is in-person working at one of the Bank's offices on the North Shore. The originator will be responsible for spending time outside the Bank to generate loan applications. Additional Responsibilities: Request property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation. Analyze applicant's financial status, credit, and property evaluation to determine feasibility of granting loans and/or submits applications to credit analyst for verification and recommendations. Corresponds with or interviews applicants or creditors to resolve questions regarding applicant information. Compile loan packages and facilitate negotiations with applicants pursuant to Bank standards, including fees, loan repayment options and other credit terms. Ensures loan agreements are complete and accurate according to policy. Assures timely loan closing and funding activities. Promotes and cross-sells other bank products and services as appropriate to customer. Job Qualifications: Bachelor's degree preferred or a minimum of five years demonstrated successful work-related experience in all aspects of residential lending including secondary market. Fluent in Spanish with excellent communication skills, both written and verbal. Effective interviewing and presentation skills. Strong analytical and quantitative skills and proven problem-solving ability. Highly motivated, goal-oriented, and able to work independently. Utilizes strong organization skills to perform and prioritize a high volume of tasks simultaneously. Consistently achieves goals and meets strict deadlines while maintaining excellent attention to context, substance and detail. Embraces the team-oriented culture and works collaboratively across the Bank to support the Bank's strategic growth plans. NMLS registration required Valid driver's licenses and willingness to travel locally for meetings, events, etc. Microsoft Excel and Microsoft Word experience required. Knowledge of Encompass and Jack Henry software preferred but not required. This position is full-time with fully paid medical, dental and vision insurance, as well as dollar-for-dollar 401(k) match up to 10%; life insurance; disability plan; pension plan after 2 years of service; and generous vacation and paid-time off. The Institution for Savings is an Equal Opportunity Employer. Member FDIC. Member DIF.

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.

Full-time Description 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. Requirements 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. Bachelor's degree in business, finance, or related field preferred. Active Nationwide Multistate Licensing System (NMLS) license or ability to obtain upon hire. 2-3 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. Salary Description $26.75-$37.45/hour

Job DescriptionSalary: Commission + Bonus ABOUT US: Pinnacle Mortgage Corp. delivers top-tier financial services with competitive rates. Our mortgage professionals prioritize personalized attention, ensuring tailored financial solutions for purchasing a home, refinancing, or consolidating debt. Unlike larger nationwide mortgage firms, we prioritize the security and confidentiality of your information. Our trusted reputation in the community reflects our dedication to maintaining client trust and confidentiality. POSITION PROILE: As a Senior Loan Officer at Pinnacle Mortgage Corp, you will play a crucial role in helping clients achieve their homeownership and financial goals. Our team is committed to delivering the highest quality financial services while maintaining the utmost privacy and security of our clients' information. You will work closely with clients to understand their unique financing needs and provide tailored solutions. Whether clients are purchasing their dream home, refinancing an existing loan, or consolidating debt, you will leverage your expertise to find the right loan program at the lowest rates available in their area. RESPONSIBILITIES: Engage with clients to understand their financial objectives and guide them through the mortgage application process with attention to detail. Assess client financial profiles, including income, credit history, and debt obligations, to determine eligibility and recommend suitable loan options. Educate clients on various loan programs, terms, and rates available, ensuring they make informed decisions aligned with their long-term financial interests. Collaborate with internal teams, to expedite loan processing and ensure timely closings. Maintain confidentiality and security of client information at all times, adhering to strict privacy policies and regulatory requirements. Cultivate lasting relationships with clients by delivering exceptional service and providing ongoing support throughout the loan lifecycle. Stay abreast of industry trends, market conditions, and regulatory changes to provide accurate and up-to-date guidance to clients. Participate in business development initiatives, networking events, and community endeavors to enhance visibility and generate new business prospects. WHAT YOU NEED TO BE SUCCESSFUL: Bachelors degree in finance, Business Administration, or related field preferred. Proven experience as a Loan Originator or Mortgage Loan Officer, with a track record of successfully closing loans. Strong understanding of mortgage lending practices, regulations, and compliance requirements. Excellent communication and interpersonal skills, with a client-centric approach to service delivery. Detail-oriented with strong analytical and problem-solving abilities. Ability to work independently and collaboratively in a fast-paced environment. Familiarity with mortgage origination software and tools preferred. NMLS licensing as required. WHY PINNICAL MORTGAGE CORP: Because we believe in valuing and investing in our team members. Pinnacle Mortgage Corp. provides outstanding compensation and benefits package. By offering perks such as a company matching 401K plan, continuous training opportunities, and robust healthcare coverage, including Medical, Dental & Vision, we aim to support our employees' financial security, professional growth, and overall quality of life. Pinnacle Mortgage providesequal employment opportunities and non-discrimination for all employees and qualified applicants without regard to a persons race, color, gender, age, religion, national origin, ancestry, disability, veteran status, genetic information, sexualorientation,or any characteristic protected under applicable law.

Job Description East Cambridge Savings Bank's Lending Division is actively recruiting for Residential Loan Officers Function: Under the general direction of the Secondary Market Lending Sales Manager, solicits and develops new sources of business and loan opportunities and originates residential loan products in accordance with established Bank policies and procedures. We are looking for candidates with: Proven loan origination sales experience at local bank or mortgage lender 2 or more years of mortgage origination experience preferred Familiarity with Middlesex County preferred Knowledge and understanding of secondary market underwriting guidelines Well developed interpersonal, communication and customer service skills Ability to travel freely and work without direct supervision Able to register as a licensed Mortgage Loan Originator as required under the S.A.F.E. Act Essential Job Functions: Responsible for selling and originating high quality mortgage loans to meet established production goals. Develops relationships with attorneys, local housing agencies, developers and real estate brokers to generate new mortgage business. Solicits customers generated through various channels, including but not limited to external contacts, First Time Home Buyer seminars, telephone or electronic e-mail leads, the Bank's website, etc. Analyzes each applicant's data, working with the borrower to prepare a complete application. Initiates processing and conducts preliminary underwriting. Determines and recommends appropriate loan products to meet the needs of the customer. Approves consumer loans up to established limits. Manages the customer experience. Serves as the liaison between all parties i.e. Brokers, borrowers, and the Bank during the application process for mortgage loans. Prior to closings, acts as liaison with attorneys to ensure documentation is accurate and consistent. Responds to customer questions and inquiries. Establishes and maintains effective working relationships with Banking Center personnel, providing guidance as needed. Maintains a general understanding of all products and services offered to effectively present these products and services to customers. Represents the Bank by participating in various networking, community and industry related activities which includes but is not limited to speaking at Mortgage Seminars, representing the Bank at Mortgage Trade Fairs, acting as a Mortgage Consultant at banking centers, etc. Promotes Bank services and products to potential customers when possible. Keeps abreast of residential and consumer loan products and the applicable State and Federal regulations and compliance issues. Complies fully with all federal, state and local laws and regulations, policies and procedures, including but not limited to the S.A.F.E. Act and its registration, renewal and updating standards. Analyzes each applicant's loan and deposit relationship with the Bank, reviewing how various Bank products may address an applicant's banking needs and ensuring that any appropriate cross sale opportunities have been undertaken. Assists with special assignments/projects, and in the development of new products and services to remain competitive. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

Job Description We're looking for a Mortgage Loan Processor with experience in the broker model to join our top-producing team. If you are passionate about helping others and excel at closing loan applications quickly, we have a spot for you! Your primary responsibility will be to oversee the loan process from origination to close. This role requires strong attention to detail and superb customer service skills. You'll be meticulously collecting information, responding to customer questions, and making any necessary last-minute changes to ensure mortgage applications are processed well before the deadline. Our ideal applicant is a self-starter with excellent multitasking skills who can work diligently without much supervision. If you're interested in growing your career in the mortgage industry on a well-established lending team, reach out to us today! Compensation: $50,000 plus monthly bonus Responsibilities: Help further loan approval by serving as a liaison between applicants, real estate agents, loan officers, and mortgage lending underwriters Obtain all necessary property and loan documentation for every file, including evidence of insurance, verification of employment, payoffs, credit supplements, tax transcripts, condo questionnaires, title work, and subordination requests and to make sure the loan process goes smoothly Oversee all loans coming through the pipeline to ensure the process is compliant and efficient Submit detailed loan packages to the lender underwriting department for approval or denial. Communicate with underwriters to clarify conditions and satisfy these by coordinating with the borrower Make sure closing dates and company deadlines are met by following up on loan documentation in a timely manner Qualifications: Superb communication, interpersonal, and customer service skills Solid understanding of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage procedures, processes, and documentation At least 2 years mortgage processing experience, preferably 5+ years Current or previous experience as a Processor, LOA, Loan Partner, Loan Officer, and/or Underwriter Highly attentive to detail, and has excellent organizational and time management skills About Company We help buyers & investors across NH, MA, ME, NC, FL. Strategy-first. Fast, transparent, on-time closings. Realtor-focused: same-day pre-approvals, milestone updates, weekend/open-house support, co-branded tools. Programs: Conv, FHA/VA/USDA, Jumbo, DSCR, non-QM, HELOCs. EHO.

Job Description At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals. Loans must be originated in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service. The Mortgage Loan Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business. Grow Your Pipeline - Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources. Close More Deals - Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing. Be the Go-To Expert - Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies. Deliver White-Glove Service - Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience. Maximize Cross-Selling Opportunities - Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management. Own the Loan Process - Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding. Stay Ahead of the Market - Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor. Make an Impact - Represent the bank at local business and community events, delivering exceptional value and building brand awareness. Drive Compliance & Excellence - Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner. Perform other related duties as assigned or directed. Ancillary Duties: Cooperate with other members of department to achieve department goals Cooperate with employees of other departments to provide quality service, solve problems and achieve bank goals Qualifications Education, Training and Requirements: An Associate degree or equivalent preferred. High School Diploma or GED required. Specialized Banking and lending education and training. Valid driver license. All applicants must be 18 years of age or older. Skills: A Winning Mindset - Proven sales experience with a drive to exceed goals and a passion for helping clients understand the value of working with you. A Sales-First Approach - Strong relationship-building skills and the ability to generate referrals and new business opportunities. Financial Knowledge - An understanding of mortgage products, underwriting guidelines, and regulatory requirements. Technology & Communication Skills - Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities. Education & Licensing - An Associate degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act. A Commitment to Growth - Willingness to embrace and share new ideas and different perspectives that enhance personal growth and success while participating in ongoing sales coaching and mentorship. Must be able to consistently demonstrate the Company's core values: Integrity, Excellence, Teamwork, and Humility Other: This position requires National Mortgage Licensing System (“NMLS”) registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Experience: 3+ years of experience in a professional sales environment in financial services normally required.

Title: Community Mortgage Originator 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 This position offers base salary plus commission. The Community Mortgage Originators will receive Compensation Agreements that outline production expectations, salary, commission rates, payment schedule, and deposit incentives. Language: Bi-lingual- Spanish and/or Portuguese preferred 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 bank's 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 COI's 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 Bank's 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 bank's 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 Bank's 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 Bank's 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: Bachelor's 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 Identifier Number 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 Bank's 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. Qualifications 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 Bank. Neither 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 individual's 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.

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Home Loan Specialist I for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Essential Duties: - Perform routine data entry and validation tasks. - Initiate third-party orders (title, appraisal, hazard, flood cert, credit, etc.). - Review and validate loan documents. - Handle routine calls, emails, and/or chat responses. - Monitor work queues and intervene as needed. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Associate's degree or equivalent work experience. - Financial Services and, if possible, mortgage industry experience preferred. - General understanding of applicable Federal, State, and Local Regulations. Skills and Job-Specific Competencies: - Proficiency in Microsoft Office. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise Job Ref: 141857 ### Place of Work On-site ### Requisition ID 141857 ### Application Email ****************************

Reporting to the VP Mortgage Origination, the Senior Mortgage Originator is responsible for generating qualified mortgage business by actively pursuing the opportunities through a well-developed network in the Credit Union's lending area. The role is tasked with spending most of the time outside of the office generating sales and participating in community-based activities. All duties will be performed within the Credit Union's policies and procedures and applicable industry laws and lending regulations. ESSENTIAL JOB FUNCTIONS Through outside referral sources, develops business with realtors, builders, insurance agents, financial advisors, as well as other contacts that can refer clients to a mortgage professional. Originates mortgage loans, home equity loans and home equity lines of credit through direct contact with members both on-site and off-site from the Credit Union. Inputs data into appropriate loan origination software for mortgage loans, home equity loans, and HELOCs. Pulls credit bureau reports, performs credit analysis, and runs automated underwriting. Completes analysis to evaluate possible financial products, solutions, and makes product recommendations to members to best meet their needs and financial circumstances. Supports assigned branch/branches to generate mortgage and equity referrals by nurturing a collaborative relationship with branch staff to best serve the needs of credit union members. OTHER DUTIES Please note this is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. JOB COMPETENCIES Communication : The ability to effectively converse and listen to others concerning company matters. The use of proper written and grammatical skills, and the meaningful application of computer technology (e-mail, Internet, etc.). Ethics : The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers. Job Knowledge : The depth and breadth of knowledge to perform essential duties and functions of the job. Including, but not limited to an in-depth knowledge and understanding of Fannie Mae guidelines, CFPB and other regulatory agency compliance and industry standard best practices. Understanding of how individual job performance furthers organizational objectives and a willingness to update and expand skills, knowledge, and training. Interpersonal Skills: The ability to effectively communicate and interact with other people, both individually and in groups, including communication skills such as active listening and effective speaking as well as the ability to control and manage emotions. The overall ability to interact with members, prospective clients, retail and mortgage operations staff. Time Management: The ability to work independently with minimal supervision and effective use of time. The level of control/oversight of all assigned projects and responsibilities. The ability to meet deadlines and work effectively and manage an active pipeline of mortgage product files in various stages of the process. Attitude : The degree to which one is positive, constructive, and supportive toward customers, employees, and the company. The level of enthusiasm and commitment demonstrated in job performance. Adaptability : The degree to which one demonstrates openness to change and new ideas. Ability to adjust to changing work requirements and respond to new situations. Collegiality : The ability to contribute to a positive and productive work atmosphere through mentoring less experienced colleagues, participating on committees, promoting interdisciplinary problem solving, and sharing expertise throughout the organization. EDUCATION/EXPERIENCE REQUIREMENTS (Education, Work Experience, Industry Knowledge) One (1) to five (5) years of mortgage experience. Proven track record with a pipeline of contacts including realtors, builders, and other referrals sources required. Strong math skills, computer skills, and understanding of financial transactions required. Nationwide Mortgage Licensing System (NMLS) to be maintained. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. The position may require you to sit for long periods of time, travel to other work locations as needed; high-pressure, fast paced position. REQUIRED COMPLIANCE TRAINING Satisfactorily completes all required compliance training and complies with all regulations which apply within the scope of the position, including but not limited to the Bank Secrecy Act (BSA) and all regulations that fall within the BSA. The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Salary Grade: COMM The Home Loan Specialist plays a key role in helping our valued clients get where they want to be. The Home Loan Specialist will consult with each client, and using Fidelity Bank's C.A.R.E. Process, the Home Loan Specialist will design lending solutions that meet each client's home financing needs. The Home Loan Specialist will originate first and second mortgage loans and secure mortgage and home equity lines/loan applications for the Bank, using the LifeDesign Banking approach to provide Clarity so each client can move forward with Confidence. We are currently seeking Home Loan Specialist candidates with proven capabilities connecting with, and supporting, the diverse array of clients in our local communities. ESSENTIAL JOB FUNCTIONS / RESPONSIBILITIES: Provides the highest level of client service in a positive, courteous and enthusiastic manner to colleagues, clients and the community. Develops and implements a broad-based business development program including realtors, CPAs, attorneys, brokers, personal referrals, etc. Visits realtors regularly and acts as liaison between vendors and the Bank. Maintains a thorough knowledge of all Bank loan products, services, policies and procedures. Ensures compliance with all applicable laws and regulations including, but not limited to, the Equal Credit Opportunity Act, Truth in Lending, Real Estate Settlement Procedures act, Massachusetts Adjustable-Rate Mortgage regulations and The Home Value Code of Conduct. Interviews applicants and takes mortgage applications. Maintains availability for meetings at assigned Banking Centers. Obtains all documentation and fees necessary for efficient processing including utilization of all systems needed for processing the applicant information. Communicates with vendors and applicants regarding the status of applications in process. Maintains and submits weekly log of activities, including real estate offices visited, broker meetings, applications taken and other relevant information. Represents the Bank at Board of Realtor meetings. Participates in mortgage programs and seminars and performs other functions designed to enhance the Bank's visibility and image in the real estate community. Collaboratively serves as a backup contact for other Home Loan Specialists when they are unavailable or on vacation. Other duties as may be required. QUALIFICATIONS: Four years related mortgage lending or origination experience preferred. Excellent sales, business development, organizational and communication skills. Able to learn and effectively use required technology and applications. Able to work outside of typical business hours and travel extensively within the Bank's business (lending) community. Must have cyber security awareness to protect the digital environment, the Bank, and customers Commission-based role

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationPortsmouth, New Hampshire, United States of America

Salem Five is a growing regional financial services organization with a rich history of over 160 years. As an independent bank, we are deeply rooted in the communities we serve and offer our employees successful and rewarding careers. requires the ability to work in the Salem, MA office. Salem Five has more than 30 retail banking branches throughout Essex, Middlesex, Norfolk and Suffolk counties, strong business banking capabilities, an Insurance division, a Wealth Management & Trust organization and a Mortgage Company that has provided homeownership to generations of families. Salem Five believes deeply in supporting the communities in which we reside. Donations through our Charitable Foundation or events at the branch or location-level are an important part of our DNA. We would not be the company we are without our commitment to businesses and organizations that help the region thrive and to our employees. Come see what we're all about. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Support the daily workflow of loan processors and pre-closers to ensure timely and accurate loan processing. Serve as the first point of contact for staff questions and escalated file issues. Assist with pipeline management, monitoring file movement and helping team members stay on track with service level agreements (SLAs). Provide guidance and coaching to team members to strengthen knowledge of underwriting requirements and condition clearing. Partner with sales, underwriting, and closing teams to maintain strong communication and resolve file-level challenges. Assist with quality control checks to ensure compliance with investor, agency, and regulatory requirements (Fannie Mae, Freddie Mac, FHA, VA, USDA, etc.). Provide feedback to management on team performance, workflow challenges, and opportunities for improvement. Contribute to a customer-focused culture that balances speed, compliance, and accuracy. Assist management with projects and department initiatives as needed. Demonstrates compliance with banking business laws and regulations as defined in company policies and procedures pertinent to the position. Regular attendance is essential to this position. Assumes additional responsibilities as requested. SUPERVISORY RESPONSIBILITIES: Act as a peer leader by supporting and guiding processors and pre-closers. Help train new staff members and share best practices with the team. Monitor daily workloads and assist in balancing files across the team. Escalate ongoing or complex issues to the SVP of Mortgage Operations when appropriate. Encourage a collaborative environment between sales, underwriting, and operations staff. EDUCATION and/or EXPERIENCE: High school diploma or equivalent required; college degree preferred. 3+ years of mortgage loan processing experience. Previous experience serving as a senior processor, mentor, or team lead preferred. Strong understanding of mortgage loan products, agency/investor guidelines, and regulatory requirements. Ability to prioritize and manage multiple files in a fast-paced environment. Effective communication and interpersonal skills for working with peers and other departments. Strong problem-solving skills with attention to detail and accuracy. Proficiency in loan origination systems (LOS), preferably Encompass, and other mortgage technology tools. Commitment to delivering excellent customer service while maintaining compliance standards. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. Benefits/Incentives: Health Insurance, Dental, Vision, Flexible Spending Account, Health Savings Account, 401k Matching, Tuition Reimbursement, Employee Referral Program, Summer Family Outing, Annual Holiday Reception and more. Salary Range: $50,000 - $65,000 The pay range is the lowest to highest compensation we reasonably in good faith believe we would pay at posting for this role. We may ultimately pay more or less than this range. Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, and performance. This range may be modified in the future. Ready to apply? If this job sounds like a fit for you, then click on Apply/Apply Now in this posting. We look forward to talking with you. Qualified candidates may also submit a resume and application online at salemfive.com/careers or mail your resume to Human Resources, 210 Essex Street, Salem, MA 01970. No unsolicited resumes accepted from agencies.

The Mortgage Loan Processor is responsible for loan file computer set up and ordering of all loan documentation required on residential loan applications which are in first lien position and collection and evaluation of all documented information required. This person will verify through alternate documentation or outside sources, the validity of the application information, calculate debt-to-income and loan-to-value ratios, and assemble a completely documented file for submission to underwriting with a letter of recommendation. The Loan Processor will also be responsible for scheduling mortgage closings with all stakeholders, reviewing mortgage files to ensure required documents are complete and accurately meeting all applicable federal regulatory and compliance standards. Qualifications Have a thorough knowledge of first mortgage real estate lending practices, including federal regulatory requirements, state regulations, and agency requirements. Be familiar with all federal and state regulations governing Credit Union mortgage lending. Have a thorough working knowledge of conventional, FHA, VA, USDA, and New Hampshire Housing; and other special loan/grant programs; and the necessary documentation for processing and obtaining underwriting approval. Obtain all information necessary from borrowers and other third-party resources to process loans and obtain underwriting approval as needed. Set up files on system, order credit reports, appraisals, and necessary verification forms and conduct follow up with outside sources for outstanding documentation. Review and analyze all documentation received and determine ratios and credit acceptability after documentation is received. Load files into document management system. Complete a final evaluation and analysis of the completed loan file package and prepare the file for underwriting approval, specifying any applicable conditions to the approval. Clear all alerts on credit report, review appraisal and clear all pending conditions Complete a final evaluation and analysis of the completed application package and prepare the file to be sent to document preparation for Underwriting and Closing. Utilizing pipelines, timeframes & coordinating with the closing department to make sure files meet purchase closing dates and adhere to TRID timelines and regulations. Arrange Closing with Attorney/Title Company, prepare, and send the Closing Disclosure and Closing package in accordance with CFPB regulations, timeframes and TRID guidelines. Closely examine all information relating to fee's, rate, property information, vesting, to ensure accuracy. Coordinate, set-up, funding, booking and shipping of 1 st mortgages. Updating core operating system and servicing platform as required. Maintain and update loan files on the loan origination software as the loan flows through the system from processing to closing. Finastra Mortgagebot LOS experience helpful but not required. Complete all required HMDA information in loan origination software. Have a general knowledge of all Credit Union departments and how they interact with the Mortgage Lending Operations department. Work with staff and co-workers as a team in analyzing and solving situations that may arise in the mortgage origination loan process. Maintain effective communication with all Credit Union employees to ensure coordination and exchange of information for accomplishing Credit Union goals. Work with Post Closer on Quality Control and follow up with pending documentation to ensure a compliant file and completing post close file submission Familiar with secondary market guidelines and loan delivery process For the purpose of attaining Credit Union goals, it is the responsibility of each employee to strive for the continuous improvement of processes and quality of service Other Job Functions: Represent BCCU in a professional and responsible manner at all times. Perform additional duties as may be assigned. Maintain good housekeeping practices within the work area. Understand and Comply with all BSA Regulations Job Specifications: Professional, well-developed interpersonal skills essential for interviewing loan applicants and projecting a positive image as representative of the Credit Union. Knowledge of underwriting guidelines (FNMA, FHLMC, FHA) and other investors used by BCCU. Knowledge of all state and federal regulations affecting mortgage lending including but not limited to Reg Z, ECOA, Reg B, and HMDA. General knowledge of NH Real Estate Law. Excellent interpersonal skills. Self motivated and capable of working independently. Basic computer skills including, but not limited to, Windows, Word, Excel, and a thorough understanding of mortgage software utilized by BCCU These characteristics are normally acquired through completion of a high school education plus additional post-secondary coursework. A minimum of two to three years' experience as a mortgage loan processor, with an emphasis on conventional, FHA, VA products, and other loan products. Intermediate mathematical skill required (calculations and concepts involving decimals, percentages, fractions, etc.). The ability to perform income analysis to compute income to payment and debt to income ratio and Loan to Value. Must have dependable transportation. Position requires sitting, standing, squatting, driving, and the ability to enter and maneuver facilities outside of the control of BCCU. May have to lift up to 30 pounds. Flexible hours are required, but a minimum of 40 hours/week are expected to be devoted to fulfilling and/or exceeding the goals of the position Additional hours as necessary to accomplish objective, goals and projects Ability to Multi-Task, Adapt, and Problem Solve. Must be organized and detail- focused.

Under the direction of the Director of Residential Lending, the Mortgage Loan Officer is responsible for assisting members in obtaining mortgage loans and ensuring a smooth, efficient, and positive lending experience. Cross-sell applicable products and services to meet credit union goals. Key Responsibilities • Assess members financial situations and provide tailored mortgage solutions. • Conduct thorough analyses of applicants' credit histories and financial backgrounds. • Guide members through the mortgage application process, explaining terms, conditions, and legalities. • Collaborate with real estate agents, underwriters, and other industry professionals. • Maintain up-to-date knowledge of mortgage products, lending regulations, and market trends. • Generate new business by developing relationships with real estate professionals, builders, attorneys, and personal networks. • Prepare and submit mortgage applications to underwriting for approval. • Negotiate loan terms and interest rates with applicants. • Ensure compliance with all federal and state regulations throughout the lending process. • Provide exceptional member service and maintain ongoing relationships with members. • Participate in community and industry organizations and events. Core Skill Competencies • Communication: Clear and effective communication skills, both written and verbal. • Relationship Building: Strong interpersonal skills to build and maintain professional relationships. • Analytical Skills: Ability to assess financial situations and determine appropriate mortgage solutions. • Member Focus: Commitment to providing high-quality service and fostering positive member relationships. • Detail-Oriented: Meticulous attention to detail to ensure accuracy and compliance in all documentation. • Interpersonal Skills: Strong ability to build and maintain professional relationships. • Problem-Solving: Effective problem-solving abilities to address clients' concerns and find viable solutions. • Sales Skills: Proficiency in sales techniques and ability to generate new business opportunities. • Time Management: Excellent time management skills to handle multiple tasks and deadlines efficiently. • Technical Proficiency: Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) and mortgage lending software including but not limited to LOS, POS and Pricing. Physical Demands • Prolonged periods sitting at a desk and working on a computer. • Occasional lifting of office supplies, up to 15 pounds. • Frequent travel may be required for meetings and events. Qualifications • Minimum of an associate's degree in business or finance with five or more years of experience in first mortgage origination. • Active well-established book of business and COIs to consistently originate production averaging a minimum funded loan volume of $1MM monthly for the most recent 24-months, previous 24-month production mix should be a minimum of 60% purchase volume. • Able to accurately determine interest rates, buy-downs, pricing for Conventional, HFAs and Government programs. • Maintain a thorough knowledge and understanding of Conventional, FHA, VA, NHHFA, USDA RD, HFAs and portfolio lending and how they work and be able to communicate these effectively to all members. • Mortgage Loan Originator (MLO) license or certification as required by state regulations. • Continuing education and training in mortgage lending practices and regulations.

ABOUT US: Pinnacle Mortgage Corp. delivers top-tier financial services with competitive rates. Our mortgage professionals prioritize personalized attention, ensuring tailored financial solutions for purchasing a home, refinancing, or consolidating debt. Unlike larger nationwide mortgage firms, we prioritize the security and confidentiality of your information. Our trusted reputation in the community reflects our dedication to maintaining client trust and confidentiality. POSITION PROILE: As a Senior Loan Officer at Pinnacle Mortgage Corp, you will play a crucial role in helping clients achieve their homeownership and financial goals. Our team is committed to delivering the highest quality financial services while maintaining the utmost privacy and security of our clients' information. You will work closely with clients to understand their unique financing needs and provide tailored solutions. Whether clients are purchasing their dream home, refinancing an existing loan, or consolidating debt, you will leverage your expertise to find the right loan program at the lowest rates available in their area. RESPONSIBILITIES: Engage with clients to understand their financial objectives and guide them through the mortgage application process with attention to detail. Assess client financial profiles, including income, credit history, and debt obligations, to determine eligibility and recommend suitable loan options. Educate clients on various loan programs, terms, and rates available, ensuring they make informed decisions aligned with their long-term financial interests. Collaborate with internal teams, to expedite loan processing and ensure timely closings. Maintain confidentiality and security of client information at all times, adhering to strict privacy policies and regulatory requirements. Cultivate lasting relationships with clients by delivering exceptional service and providing ongoing support throughout the loan lifecycle. Stay abreast of industry trends, market conditions, and regulatory changes to provide accurate and up-to-date guidance to clients. Participate in business development initiatives, networking events, and community endeavors to enhance visibility and generate new business prospects. WHAT YOU NEED TO BE SUCCESSFUL: Bachelor's degree in finance, Business Administration, or related field preferred. Proven experience as a Loan Originator or Mortgage Loan Officer, with a track record of successfully closing loans. Strong understanding of mortgage lending practices, regulations, and compliance requirements. Excellent communication and interpersonal skills, with a client-centric approach to service delivery. Detail-oriented with strong analytical and problem-solving abilities. Ability to work independently and collaboratively in a fast-paced environment. Familiarity with mortgage origination software and tools preferred. NMLS licensing as required. WHY PINNICAL MORTGAGE CORP: Because we believe in valuing and investing in our team members. Pinnacle Mortgage Corp. provides outstanding compensation and benefits package. By offering perks such as a company matching 401K plan, continuous training opportunities, and robust healthcare coverage, including Medical, Dental & Vision, we aim to support our employees' financial security, professional growth, and overall quality of life. Pinnacle Mortgage provides equal employment opportunities and non-discrimination for all employees and qualified applicants without regard to a person's race, color, gender, age, religion, national origin, ancestry, disability, veteran status, genetic information, sexual orientation, or any characteristic protected under applicable law.

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Home Loan Specialist II for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Essential Duties: - Perform complex data and document validation. - Troubleshoot third-party orders (title, appraisal, hazard, flood cert, credit, etc.). - Handle more complex calls, emails, or chat sessions. - Complete appraisal eligibility tasks. - Evaluate loan applications for compliance with product guidelines. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Associate's degree or equivalent work experience. - Proficiency in Microsoft Office. - Financial Services and, if possible, mortgage industry experience preferred. - General understanding of applicable Federal, State, and Local Regulations. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise. Job Ref: 141859 ### Place of Work On-site ### Requisition ID 141859 ### Application Email ****************************