POSITION DESCRIPTION

Loan Officer

BayCoast Mortgage Company
Work Model: Hybrid (Flexible Work Program)

Bilingual: Spanish/Portuguese a plus

Build Careers. Empower Homeownership. Grow With BayCoast.

BayCoast Mortgage Company is seeking a motivated, relationship‑driven Loan Officer to join our growing team. This role is ideal for a self‑starter who thrives on building connections, delivering exceptional customer experiences, and helping individuals and families achieve the dream of homeownership.

As a Loan Officer, you’ll serve as a trusted mortgage advisor—originating residential loans, cultivating long‑term referral relationships, and driving production through strong community engagement. With the support of a respected local financial institution, industry‑leading resources, and a flexible hybrid work environment, you’ll have everything you need to succeed.

What You’ll Do

Originate residential real estate mortgage loans through proactive self‑generated sales efforts

Develop, expand, and maintain a strong referral network of Realtors, builders, attorneys, accountants, and other centers of influence

Identify and engage prospective borrowers via phone, internet, email, in‑person meetings, and referral channels

Guide borrowers through the mortgage process from application to closing, ensuring a smooth and positive customer experience

Originate mortgage applications in compliance with company policies, investor guidelines, and regulatory requirements

Prepare, explain, and distribute required disclosures and loan documents at application

Collect and manage borrower documentation, following up as needed to ensure timely loan processing

Maintain a well‑managed pipeline of high‑quality loans while clearly communicating expectations to borrowers and transaction partners

Attend open houses, Realtor meetings, homebuyer seminars, networking events, and community outreach activities to grow your personal brand and production

Maintain active NMLS registration and stay current on federal and state mortgage regulations

Collaborate across BayCoast’s family of companies to identify opportunities for referral and cross‑functional growth

Consistently demonstrate BayCoast’s mission and core values through ethical behavior, professionalism, and community commitment

What We’re Looking For

Ability to obtain an NMLS license and maintain as a condition of employment

2+ years of mortgage loan origination experience or a strong background in sales, lending, or financial services

College degree preferred

Proven ability to generate business, build relationships, and deliver outstanding customer service

Basic knowledge of conventional, FHA, VA, and other government loan programs

Understanding of mortgage processing, underwriting, and closing workflows

Basic knowledge of federal and state real estate lending regulations (TRID, RESPA, ECOA, etc.)

Strong organizational and time‑management skills with the ability to manage multiple loans simultaneously

Proficiency in Microsoft Office and mortgage technology platforms

Behavior and performance align with the guiding principles and purpose that define the organization’s mission (To provide exceptional service and solutions for our community), and core values (Take pride in what I do; Believe that what I do is important; Care about people; Have a positive attitude).

Embraces the Bank’s commitment to Solutions by seeking and recognizing opportunities to refer new business to different areas of the Bank, BayCoast Insurance, Plimoth Investment Advisors, BayCoast Mortgage Company, Priority Funding, and Teamwork Funding.

Equipment & Work Environment

Laptop, Docking Station, Dual Monitors, Camera/Microphone, Cell Phone

Hybrid work environment with some evening and weekend availability as business needs require

Ability to attend in‑person meetings, remote meetings, and local events

Occasional lifting of up to 20 lbs

Reasonable accommodations may be provided for qualified individuals with disabilities.

Why BayCoast?

Strong local brand and community presence

Vast product offering

Flexible hybrid work schedule

Supportive leadership and collaborative culture

Opportunity to grow your business within an established financial institution

Mission‑driven organization committed to community impact and exceptional service

Compensation & Commission

BayCoast Mortgage Company offers a competitive, performance‑based compensation structure designed to reward growth, production, and long‑term success.

Commission‑based compensation with basis points (BPS) payout tied to funded loan volume

Recoverable or non‑recoverable draw options available and negotiable based on experience and production history

Earning potential aligned with individual production, referral network strength, and portfolio performance

Support from a well‑established processing, underwriting, and operations team to help maximize funded volume

Compensation structure will be finalized based on experience, licensing status, and demonstrated production capability.