Mortgage Loan Officer- External Sales

Arise Financial; Canton (MA); Hybrid; USD 36,000 - 44,000; Full time

Benefits offered by this job

Great Place to Work

Competitive pay

Annual incentive/bonus potential

Healthcare benefits (health, dental, V

Job summary

Arise Financial seeks a Mortgage Loan Officer (External Sales) to build relationships, generate self-sourced mortgage and home equity business through realtor, builder, professional, and community referrals. You will combine mortgage expertise with business development to create a strong pipeline and deliver an exceptional member experience.

The role is commission-based with a recoverable draw, aligning earnings with production.

Qualifications

• 2–5 years of mortgage lending or related financial services experience.
• NMLS registration required or ability to obtain within the designated timeframe.
• Experience with mortgage loan origination systems, such as Encompass, preferred.
• Strong knowledge of mortgage and home equity products and underwriting fundamentals.
• Proven success in sales, business development, and relationship-based lending.
• Ability to build and maintain referral relationships and generate self-sourced business.
• Excellent communication, presentation, negotiation, and relationship-building skills.

Responsibilities

• Generate mortgage and home equity business through external networking, business development, and referral partnerships.
• Build and maintain strong relationships with realtors, builders, financial professionals, community organizations, and other referral partners.
• Develop and manage a pipeline of self-sourced opportunities, providing consistent follow-up from application through closing.
• Meet with applicants to understand their financial goals, gather required documentation, and recommend appropriate mortgage and home equity solutions.
• Structure loan applications in accordance with product guidelines, underwriting requirements, and applicable policies.
• Maintain accurate and complete loan documentation and information within the loan origination system.
• Partner with Processing, Underwriting, Closing, and other lending teams to facilitate an efficient loan process.
• Maintain compliance with applicable mortgage lending requirements, including TILA/RESPA, HMDA, and Fair Lending.
• Monitor pipeline activity, pull-through, production, and member experience results to achieve established goals.
• Represent the Credit Union at community events, open houses, networking events, and other business development opportunities.
• Stay current on mortgage products, market conditions, lending requirements, and industry trends to effectively serve members and referral partners.

Skills

Mortgage lending

Business development

Sales

NMLS registration

Encompass

Education

High school diploma or equivalent

Tools

Encompass

Job description

There's never been a more exciting time to join us! We're launching a new brand and a new name Arise Financial(formerly known as Rockland FCU) with a bold vision for the future—one built on innovation, technology, and a commitment to helping people live more and worry less.

For more than a century, we've believed that banking is about putting people first. We're building on that legacy while embracing new ideas and creating an even better experience for both our employees and the members and communities we serve.

If you're looking for a place where you can grow, make an impact, and help shape what's next, we'd love to hear from you.

About the Opportunity

There's never been a more exciting time to join us! We're launching a new brand and a new name Arise Financial(formerly known as Rockland FCU) with a bold vision for the future—one built on innovation, technology, and a commitment to helping people live more and worry less.

For more than a century, we've believed that banking is about putting people first. We're building on that legacy while embracing new ideas and creating an even better experience for both our employees and the members and communities we serve.

If you're looking for a place where you can grow, make an impact, and help shape what's next, we'd love to hear from you.

Why You'll Love Working Here

• Certified Great Place to Work®
• Competitive pay
• Annual incentive/bonus potential
• Comprehensive benefits package includinghealth, dental, vision, life, and AD&D
• 401(k) plan with employer match
• Hybrid work from home flexibility (min 3 days a week in office)
• Generous paid time off and holidays
• Tuition reimbursement and professional development opportunities
• Opportunities for professional growth and career development
• Meaningful work that positively impacts our members and communities

About the Role

As a Mortgage Loan Officer (MLO) – External Sales, you’ll build relationships, generate new business, and help members navigate the home financing process from application through closing. This role focuses on self-sourced mortgage and home equity production through realtor, builder, professional, and community partnerships.

You’ll combine mortgage expertise with business development and relationship management to create a strong pipeline, deliver an exceptional member experience, and support sustainable lending growth. This position is compensated through a commission-based structure with a recoverable draw, aligning earning potential with individual production.

What You'll Do

• Generate mortgage and home equity business through external networking, business development, and referral partnerships.
• Build and maintain strong relationships with realtors, builders, financial professionals, community organizations, and other referral partners.
• Develop and manage a pipeline of self-sourced opportunities, providing consistent follow-up from application through closing.
• Meet with applicants to understand their financial goals, gather required documentation, and recommend appropriate mortgage and home equity solutions.
• Structure loan applications in accordance with product guidelines, underwriting requirements, and applicable policies.
• Maintain accurate and complete loan documentation and information within the loan origination system.
• Partner with Processing, Underwriting, Closing, and other lending teams to facilitate an efficient loan process.
• Maintain compliance with applicable mortgage lending requirements, including TILA/RESPA, HMDA, and Fair Lending requirements.
• Monitor pipeline activity, pull-through, production, and member experience results to achieve established goals.
• Represent the Credit Union at community events, open houses, networking events, and other business development opportunities.
• Stay current on mortgage products, market conditions, lending requirements, and industry trends to effectively serve members and referral partners.

What We're Looking For

• High school diploma or equivalent required.
• 2–5 years of mortgage lending or related financial services experience preferred.
• NMLS registration required or ability to obtain within the designated timeframe.
• Experience with mortgage loan origination systems, such as Encompass, preferred.
• Strong knowledge of mortgage and home equity products, lending practices, and underwriting fundamentals.
• Demonstrated success in sales, business development, networking, or relationship-based lending.
• Strong ability to build and maintain referral relationships and generate self-sourced business.
• Excellent communication, presentation, negotiation, and relationship-building skills.
• Strong organization and pipeline management skills with the ability to manage multiple applications and deadlines.
• Sound understanding of mortgage lending compliance, including TILA/RESPA, HMDA, and Fair Lending.

We are 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, or protected veteran status and will not be discriminated against on the basis of disability.

In alignment with our commitment to pay transparency, we're pleased to share that the base range for this position is $39,998.40per year, excluding fringe benefits or potential incentives. This position is eligible for a Variable Incentive Plan. If you're hired, your final base pay will be determined based on factors such as skills, education, and experience. We also take pay equity seriously and consider the internal equity of our current team members as part of any final offer.

This job posting is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements.

At this time, the Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization). If you need sponsorship now or in the future, look for this statement in the job description before you apply: “The Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position”. If this is not listed in the job description, we will not provide sponsorship for the candidate to work in the United States.