Mortgage Loan Officer

PeoplesBank; Chicopee (MA); On-site; USD 60,000 - 90,000; Full time

Job summary

PeoplesBank is seeking a motivated Residential Mortgage Loan Officer to generate mortgage business across Western Massachusetts. Build relationships with real estate agents, builders, attorneys, and referrals, while leveraging internal leads and past customers.

Must have NMLS registration or plan to obtain; strong knowledge of conventional loan structures is essential. This role includes base salary with commissions, a client-focused service approach, and active involvement in community events

Qualifications

• Bachelor's degree or equivalent required.
• 1–3 years of relevant mortgage experience preferred.
• NMLS registration required or ability to obtain within period specified.

Responsibilities

• Generate high-quality mortgage applications and drive closings.
• Cross-sell deposit products to mortgage customers.
• Engage in community events and referral partnerships to grow volume.
• Develop annual market plan and monitor performance.
• Ensure compliance with all regulations and training requirements.

Skills

Verbal communication

Written communication

Interpersonal skills

Customer service

Travel willingness

Education

Bachelor's degree or equivalent

Tools

MS Word

Excel

Job description

Welcome to PeoplesBank! We are the largest mutually chartered bank in Western Mass and Northern Connecticut, we are proud to lead the way in green values, sustainable energy financing, and charitable giving. Our commitment to operating in the best interest of our customers is matched by our dedication to fostering an inclusive and engaging work environment. We offer excellent compensation, workplace flexibility, and a competitive benefits package to our associates. Our award-winning culture has earned us recognition as the Best Place to Work and Best Local Bank. Join our team of dedicated and innovative individuals and be a part of our dynamic, successful organization. Let's make a difference together!

Summary

PeoplesBank is seeking a motivated and customer-focused Residential Mortgage Loan Officer to generate residential mortgage business within our primary lending areas throughout Western Massachusetts. This role involves cultivating relationships with real estate professionals, builders, attorneys, and other referral sources, while also leveraging internal leads and past customer connections. The ideal candidate will consistently generate mortgage applications that lead to closed loans, actively participate in community and business development events, and deliver exceptional service throughout the mortgage process. Strong interpersonal skills, attention to detail, and a thorough understanding of conventional loan structures are essential. This position requires NMLS registration. This position includes a base salary and commissions structure.

Essential Duties and Responsibilities

• Consistently generate high-quality mortgage applications that result in closed loans, meeting or exceeding monthly production goals.
• Proactively cross-sell deposit products to mortgage customers, enhancing overall customer value and deepening relationships.
• Actively engage in community and industry events-including Realtor associations, expos, and chamber functions-to build visibility and drive mortgage volume.
• Develop and execute a strategic annual market plan to identify and capitalize on growth opportunities within the bank's footprint.
• Provide timely and responsive service by following up on all customer inquiries and referrals within 24 hours.
• Ensure full compliance with federal, state, and bank regulations by completing annual training and adhering to all service and operational standards.
• Other duties as assigned.

Education and Experience

• Bachelor's degree or an equivalent combination of education and experience
• One to three years of relevant experience

Certifications, Licenses and/or Registrations Required

• Requires the ability to obtain the National Mortgage Licensing System (NMLS) registration - must obtain said license after a period, to be determined by decision maker.
• Must be able to successfully complete the registration process, which includes, and is not limited to, undergoing a criminal background and credit check and must remain in compliance with the NMLS License regulations and rules.

Computer Skills

• Knowledge of Microsoft applications, including Word and Excel
• Experience utilizing laptop technology

Skills Required

• Excellent verbal and written communication skills, ensuring clear and professional interactions.
• Strong interpersonal and customer service abilities, with a talent for building and maintaining client and business relationships.
• High level of discretion and integrity, committed to protecting the financial privacy of clients, colleagues, and the organization.
• Thorough understanding of conventional loan structures.
• Willingness to travel to various banking center locations throughout region as needed and assigned.

Work Environment and Physical Demands

• The working conditions and physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• *Work location may vary due to business needs after employment. Frequent travel is required to and from various banking centers within reasonable distance and the PeoplesBank Executive Office in Holyoke, MA. Flexibility is essential for this role.
• While performing the duties of this job, the associate is regularly required to sit, use hands to sort, write and keyboard, and to listen and speak. The associate is frequently required to reach, walk, stoop, crouch. The associate is occasionally required to stand, lift, bend, drive and travel.